Method and system for providing an interactive spending analysis display

ABSTRACT

A spending analysis display is provided that includes first, second, and third display regions, wherein an uncategorized financial transaction of the first display region is selectable by a user, and a sweeping motion toward either the second or third display region categorizes the selected uncategorized financial transaction under a financial transaction category represented by the second or third display region that is positioned in the direction of the sweeping motion.

CROSS-REFERENCE TO RELATED APPLICATIONS

This patent application is a continuation of and claims priority to U.S.patent application Ser. No. 15/708,755 entitled “METHOD AND SYSTEM FORPROVIDING AN INTERACTIVE SPENDING ANALYSIS DISPLAY” filed on Sep. 19,2017, which is a continuation-in-part of and claims priority to U.S.patent application Ser. No. 14/698,975 entitled “METHOD AND SYSTEM FORPROVIDING A SPENDING ANALYSIS DISPLAY DYNAMICALLY ADAPTED TO DEFINEDCATEGORIES OF DAY AND/OR DATE” filed on Apr. 29, 2015 (now issued asU.S. Pat. No. 9,773,282), which is a continuation-in-part of and claimspriority to U.S. patent application Ser. No. 14/582,992 entitled “METHODAND SYSTEM FOR PROVIDING INTERACTIVE AND INTUITIVE SPENDING ANALYSIS”filed Dec. 24, 2014, which is a continuation-in-part of and claimspriority to U.S. patent application Ser. No. 14/536,237 entitled “METHODAND SYSTEM FOR PROVIDING AN INTUITIVE AND INTERACTIVE SPENDING ANALYSISDISPLAY” filed Nov. 7, 2014, all of which are assigned to the assigneehereof. The disclosures of all prior applications are considered part ofand are incorporated by reference in this patent application in theirrespective entireties.

BACKGROUND

Currently, several types of financial management systems are availableto help an individual user obtain the user's financial data,process/analyze the user's financial data, and/or generate variouscustomized financial reports and displays for the user.

Herein, a financial management system can be, but is not limited to, anydata management system that gathers financial data, including financialtransactional data, from one or more sources, such as financial accountsand financial institutions, and/or has the capability to analyze andcategorize at least part of the financial data.

Current financial management systems are typically software applicationsand/or web-based services, which, along with a parent computing system,server system, or device, help individuals/users manage their financesby providing a centralized interface with banks, credit card companies,asset account providers, mortgage companies, retirement accountproviders, and other financial and asset management institutions and/oraccounts, for identifying, processing, storing, and categorizing userfinancial transactions. Currently, financial management systemstypically obtain financial transaction data, such as payeeidentification, payment amount, date of the transaction, time oftransaction, etc., via communication with banks, credit card providers,or other financial institutions, using data entry, and/or links todatabases, and/or screen scraping technology, and/or electronic datatransfer systems, such as the Open Financial Exchange (OFX)specification, and/or various other systems and mechanisms for obtainingand transferring financial transaction data.

Using some financial management systems, the financial transaction data,payee identification, payment amount, date of the transaction, variousdescriptions, tags and/or labels, and/or other identifying data is usedby the financial management system to identify, categorize, and/or tagindividual financial transactions as a particular type of income orexpense, to generate various financial reports, and to create anoverview of the user's financial situation based on input from multiple,and preferably all, available sources of financial information/dataregarding a user.

While currently available financial management systems have proven to beeffective and powerful tools, many users of financial management systemsdesire, and would greatly benefit from, very basic analysis and displaysshowing how the user is spending their money and what spending is in theusers' control, i.e., is want-based, or discretionary spending, asopposed to spending that is not really under the user's control, i.e.,is need-based, or non-discretionary spending. However, it is often thecase that the level of complexity, sophistication, and “granularity” ofthe categorizations, analysis, and displays associated with traditionalfinancial management systems actually provide a user too muchinformation and require far more interaction and mental analysis thanthe user actually wants to devote to managing their finances. Inaddition to being overly complicated, data and reports generated bycurrently available financial management systems are often presented tothe user in relatively static, and unengaging, reports and displays thatprovide little or no opportunity for user interaction with the dataand/or user modification.

In addition, data and reports generated by currently available financialmanagement systems often fail to take into account periodicallyrepeating variations in user spending, and in particular, variations inuser spending that naturally occur over the course of a day, a week, amonth, a quarter, a year, or any defined period of time, based on thehours and days of the week the user works, seasonal employment andspending, and/or other particulars of an individual user's life and/orvocation that can cause periodically repeating variations in the user'sspending. Given this fact, it follows that currently available financialmanagement systems do not provide simple, user friendly, intuitive, andinteractive spending analysis/tracking displays that are dynamicallyadjusted/adapted to the current time period and periodically repeatingvariations in user spending. As a specific illustrative example,currently available financial management systems do not provide simple,user friendly, intuitive, and interactive spending analysis/trackingdisplays that take into account whether the current time period is aweekday/work day or a weekend day/non-work day. This is less than idealgiven that most user's spending habits are quite different onweekdays/work days than on weekend days/non-work days.

This long-standing problem in the technical fields of financialmanagement, data display, and user experience has at least fivesignificant undesirable results. First many users simply stop using thefinancial management system because, as noted, the process does notengage the user, and many users do not know how, or do not want todevote the time and energy required, to obtain information that ismeaningful to the user.

Second, using currently available financial management systems, in orderto modify, or otherwise enter data associated with specific financialtransactions, such as categorization data, the user must often interactwith multiple screens and enter data through a keyboard, or other inputdevice, that is often burdensome and difficult to use. In addition, in aworld rapidly becoming dominated by mobile systems, such assmart-phones, having to scroll through and interact with large amountsof often undesired analysis data and categorizations to determine auser's recent spending history and habits is not only burdensome, but isactually prone to erroneous data entry and analysis. This is becausewhile a “qwerty” keyboard can be made to fit in a space less than 2″wide, that doesn't make it easy or efficient to use. Consequently, notonly is the user not actively engaged in the categorization process,and/or required to analyze their spending situation, but the datadisplayed and processed by currently available financial managementsystems is often not up to date, or is incomplete.

Third, currently available financial management systems often employ ahundred or more financial transaction categories, often defined by otherparties, such as the IRS, and therefore users lose track of whichfinancial transactions represent controllable spending choices, and theconsequences of those spending choices, in the “haystack” of financialtransactions categorized in one of the hundred or more financialtransaction categories that the user did not even define.

Fourth, the displays provided by currently available financialmanagement systems typically are not relevant or intuitive and do notactively engage the user in the process of analyzing, and/or modifyingtheir spending choices. Therefore, the user is not encouraged to becomean active participate in understanding and controlling/modifying theuser's spending choices.

Finally, as noted, currently available financial management systems failto take into account periodically repeating variations in user spending,and in particular, variations in user spending that naturally occur overthe course of a day, a week, a month, a quarter, a year, or any definedperiod of time based on the hours and days of the week the user works,seasonal employment and spending, and/or other particulars of anindividual user's life and career that can cause periodically repeatingvariations in user spending. Given this fact, it follows that thedisplays provided by currently available financial management systemscurrently do not provide simple, user friendly, intuitive, andinteractive spending analysis/tracking displays that are dynamicallyadjusted/adapted to reflect periodically repeating variations in userspending.

The inability of prior art financial management systems to negotiatethese technical hurdles has historically caused many consumers/users tolose track of their spending and to fail to recognize those spendinghabits they can change, and those that are largely not under theircontrol. In addition, by failing to provide simple, user friendly,intuitive, and interactive spending analysis/tracking displays that aredynamically adjusted/adapted to reflect periodically repeatingvariations in user spending, currently available financial managementsystems fail to place users on alert as to times when they are doingmost of their discretionary spending, and to thereby help users controlunwanted discretionary spending by making them aware of times when theyneed to be more sensitive to their spending.

As a result of the situation described above, both users and providersof financial management systems are currently detrimentally affected bythis long-standing problem in the technical fields of financialmanagement, data display, and user experience.

SUMMARY

Embodiments of the present disclosure address some of the shortcomingsassociated with prior art financial management system displays byproviding users an intuitive and interactive spending analysis displayshowing relative spending in high level financial transactioncategories, or Uber financial transaction categories, such aswants/discretionary spending and needs/non-discretionary spending, in asingle and simple user interface display that is dynamically adapted tothe display time to provide a spending analysis/tracking number that isdynamically adjusted/adapted to reflect periodically repeatingvariations in user spending.

In one embodiment, a spending analysis display is provided that includesa spending analysis number associated with a defined Uber financialtransaction category and that indicates to a user an average spendingamount for the current time period category, such as a weekday or aweekend day, during a defined comparison timeframe, such as the last 30days. The spending analysis number calculated and displayed variesaccording to the current time, and the determined time period categoryof the current time. Consequently, as one example, the spending analysisnumber calculated and displayed for a weekday, or work day, is likelydifferent than the spending analysis number calculated and displayed ona weekend day, or non-work day.

In one embodiment, one or more first category time periods, such as, butnot limited to, work days, and one or more second category time periods,distinct from the first category time periods, such as, but not limitedto, non-work days, and a comparison timeframe, such as, but not limitedto, the previous 30 days, are defined.

In one embodiment, the total number of first category time periods, suchas, but not limited to, the total number of work days, and the totalnumber of second category time periods, such as, but not limited to, thetotal number of weekend days, within the comparison timeframe, such as,but not limited to, the previous 30 days, are determined.

In one embodiment, a first Uber financial transaction category isdefined such as, but not limited to, a discretionary, or wants, spendingfinancial transaction category, and financial transaction datarepresenting one or more financial transactions associated with a userconducted during the comparison timeframe, such as, but not limited to,the previous 30 days, is obtained.

In one embodiment, financial transactions associated with a userconducted during the first category time periods, such as, but notlimited to, work days, in the defined comparison timeframe, such as, butnot limited to, the previous 30 days, and that are classified in thefirst Uber financial transaction category, such as, but not limited to,discretionary spending, are identified and the total cumulative amountof the these financial transactions is determined.

In one embodiment, financial transactions associated with a userconducted during the second category time periods, such as, but notlimited to, non-work days, in the defined comparison timeframe, such as,but not limited to, the previous 30 days, and that are classified in thefirst Uber financial transaction category, such as, but not limited to,discretionary spending, are identified and the total cumulative amountof the these financial transactions is also determined.

In one embodiment, the average amount spent in the first Uber financialtransaction category, such as, but not limited to, discretionaryspending, in the first category time periods, such as, but not limitedto, work days, in the defined comparison timeframe, such as, but notlimited to, the previous 30 days, is calculated, as is the averageamount spent in the first Uber financial transaction category, such as,but not limited to, discretionary spending, in the second category timeperiods, such as, but not limited to, non-work days, in the definedcomparison timeframe, such as, but not limited to, the past 30 days.

In one embodiment, a determination is made as to whether a current timeis in the first category time period, such as, but not limited to, awork day, or the second category time period, such as, but not limitedto, a non-work day, for the user. In one embodiment, a spending analysisdisplay is then generated including a first Uber financial transactioncategory analysis display region, such as, but not limited to, adiscretionary financial transaction category analysis display region.

In one embodiment, if the current time is determined to be in the firstcategory time period for the user, such as, but not limited to, a workday, the first Uber financial transaction category analysis displayregion includes a first Uber financial transaction category analysisnumber, such as, but not limited to, a discretionary spending analysisnumber, calculated based on the average amount spent in the first Uberfinancial transaction category, such as, but not limited to,discretionary spending, in the first category time periods, such as, butnot limited to, work days, in the defined comparison timeframe, such as,but not limited to, the previous 30 days.

In one embodiment, if the current time is determined to be in the secondcategory time period for the user, such as, but not limited to, non-workdays, the first Uber financial transaction category analysis displayregion includes a first Uber financial transaction category analysisnumber, such as, but not limited to, a discretionary spending analysisnumber, calculated based on the average amount spent in the first Uberfinancial transaction category, such as, but not limited to,discretionary spending, in the second category time periods, such as,but not limited to, non-work days, in the defined comparison timeframe,such as, but not limited to, the previous 30 days.

In one embodiment, the spending analysis display is then made accessibleto the user via a display screen of a user computing system.

The embodiments of a method and system for providing a spending analysisdisplay dynamically adapted to defined categories of day and/or datediscussed herein provide a solution to the long standing problem offailure to take into account periodically repeating variations in userspending, and in particular, variations in user spending that naturallyoccur over the course of a day, a week, a month, a quarter, a year, orany defined period of time, based on the hours and days of the week theuser works, seasonal employment and spending, and/or other particularsof an individual user's life and career that can cause periodicallyrepeating variations in user spending.

The embodiments of a method and system for providing a spending analysisdisplay dynamically adapted to defined categories of day and/or datediscussed herein solve the problem by providing users an intuitive andinteractive spending analysis display that is dynamically adapted to thedisplay day and/or date and that allows users to intuitively and easilysee their discretionary and non-discretionary spending, to categorizeundetermined financial transactions in a relevant and engaging way, andprovides, user friendly, intuitive, and interactive spendinganalysis/tracking that is dynamically adjusted/adapted to reflectperiodically repeating variations in user spending.

In addition, embodiments of the method and system for providing aspending analysis display dynamically adapted to defined categories ofday and/or date discussed herein allow consumers/users to easily andsimply track of their spending and to recognize those spending habitsthey can change, and those that are largely not under their control. Inaddition, embodiments of the method and system for providing a spendinganalysis display dynamically adapted to defined categories of day and/ordate discussed herein provide simple, user friendly, intuitive, andinteractive spending analysis/tracking displays that are dynamicallyadjusted/adapted to reflect periodically repeating variations in userspending. to place users on alert as to times when they are doing mostof their discretionary spending, and to thereby help users controlunwanted discretionary spending by making them aware of times when theyneed to be more sensitive to their spending.

Therefore, embodiments of the method and system for providing a spendinganalysis display dynamically adapted to defined categories of day and/ordate discussed herein significantly improve the technical fields of dataentry/selection and user experience. Therefore, implementations ofembodiments of the present disclosure represent a significantimprovement to the field of user experience and, in particular,efficient use of human and non-human resources.

In addition, by eliminating the necessity of performing unnecessaryanalysis and displaying detailed, and often undesired, reports and data,there is less data entry, less processing of data, and fewer errors inentered data. Consequently, using the method and system for providing aspending analysis display dynamically adapted to defined categories ofday and/or date discussed herein, fewer processor cycles are utilized,memory utilization is reduced, and less communications bandwidth isutilized to relay data to and from backend systems. As a result,computing systems, and particularly mobile computing systems, aretransformed into faster, more efficient, and more effective computingsystems by implementing embodiments of the method and system forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date discussed herein.

The various embodiments of the disclosure and their associated benefitsalso improve the technical field of financial management by providingusers with a relevant and simple spending and financial display whilerequiring minimal user input. In addition, embodiments of the presentdisclosure allow the financial management system to offer a morerelevant analysis of a user's financial situation. Further, theincreased relevancy of the data provided using embodiments of thepresent disclosure increase the chances that a user will continue usingthe financial management system.

As a result, using implementations of embodiments of the presentdisclosure, the fields of financial management, financial dataprocessing, data entry, data display, data processing, and userexperience are significantly improved.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram of architecture for providing a method andsystem for providing a spending analysis display dynamically adapted todefined categories of day and/or date in accordance with one embodiment.

FIG. 2 is a flow chart representing one example of a process forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date in accordance with one embodiment.

FIG. 3 is a flow chart representing one example of a process forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date in accordance with one embodiment.

FIG. 4 shows an illustrative example of a spending analysis display inaccordance with one embodiment.

FIG. 5 shows an illustrative example of an intuitive and interactivespending analysis display in accordance with one embodiment.

FIG. 6 is a flow chart representing one example of a process 600providing a spending analysis display in accordance with one embodiment.

FIG. 7 is a flow chart representing one example of a process 700 forproviding a spending analysis display in accordance with one embodiment.

Common reference numerals are used throughout the FIGS. and the detaileddescription to indicate like elements. One skilled in the art willreadily recognize that the above FIGS. are examples and that otherarchitectures, modes of operation, orders of operation, andelements/functions can be provided and implemented without departingfrom the characteristics and features of the invention, as set forth inthe claims.

DETAILED DESCRIPTION

Embodiments will now be discussed with reference to the accompanyingFIGS., which depict one or more exemplary embodiments. Embodiments maybe implemented in many different forms and should not be construed aslimited to the embodiments set forth herein, shown in the FIGS., and/ordescribed below. Rather, these exemplary embodiments are provided toallow a complete disclosure that conveys the principles of theinvention, as set forth in the claims, to those of skill in the art.

Herein, a financial management system can be, but is not limited to, anydata management system implemented on a computing system, accessedthrough one or more servers, accessed through a network, accessedthrough a cloud, and/or provided through any system or by any means, asdiscussed herein, and/or as known in the art at the time of filing,and/or as developed after the time of filing, that gathers financialdata, including financial transactional data, from one or more sourcesand/or has the capability to analyze and categorize at least part of thefinancial data.

As used herein, the term financial management system includes, but isnot limited to the following: computing system implemented, and/oronline, and/or web-based, personal and/or business financial managementsystems, services, packages, programs, modules, or applications;computing system implemented, and/or online, and/or web-based, personaland/or business tax preparation systems, services, packages, programs,modules, or applications; computing system implemented, and/or online,and/or web-based, personal and/or business accounting and/or invoicingsystems, services, packages, programs, modules, or applications; andvarious other personal and/or business electronic data managementsystems, services, packages, programs, modules, or applications, whetherknown at the time of filling or as developed later.

Specific examples of financial management systems include, but are notlimited to the following: Quicken™, available from Intuit, Inc. ofMountain View, Calif.; Quicken On-line™, available from Intuit, Inc. ofMountain View, Calif.; QuickBooks™, available from Intuit, Inc. ofMountain View, Calif.; QuickBooks On-line™, available from Intuit, Inc.of Mountain View, Calif.; Mint™, available from Intuit, Inc. of MountainView, Calif.; Mint On-Line™, available from Intuit, Inc. of MountainView, Calif.; and/or various other financial management systemsdiscussed herein, and/or known to those of skill in the art at the timeof filing, and/or as developed after the time of filing.

As used herein, the terms “computing system,” “computing device,” and“computing entity,” include, but are not limited to, the following: aserver computing system; a workstation; a desktop computing system; amobile computing system, including, but not limited to, smart phones,portable devices, and/or devices worn or carried by a user; a databasesystem or storage cluster; a virtual asset; a switching system; arouter; any hardware system; any communications system; any form ofproxy system; a gateway system; a firewall system; a load balancingsystem; or any device, subsystem, or mechanism that includes componentsthat can execute all, or part, of any one of the processes and/oroperations as described herein.

In addition, as used herein, the terms “computing system” and “computingentity,” can denote, but are not limited to the following: systems madeup of multiple virtual assets, server computing systems, workstations,desktop computing systems, mobile computing systems, database systems orstorage clusters, switching systems, routers, hardware systems,communications systems, proxy systems, gateway systems, firewallsystems, load balancing systems, or any devices that can be used toperform the processes and/or operations as described herein.

Herein, the terms “mobile computing system” and “mobile device” are usedinterchangeably and include, but are not limited to the following: asmart phone; a cellular phone; a digital wireless telephone; a tabletcomputing system; a notebook computing system; any portable computingsystem; a two-way pager; a Personal Digital Assistant (PDA); a mediaplayer; an Internet appliance; any computing system worn or carried by auser; or any other movable/mobile device and/or computing system thatincludes components that can execute all, or part, of any one of theprocesses and/or operations as described herein.

Herein, the term “production environment” includes the variouscomponents, or assets, used to deploy, implement, access, and use, agiven application as that application is intended to be used. In variousembodiments, production environments include multiple computing systemsand/or assets that are combined, communicatively coupled, virtuallyand/or physically connected, and/or associated with one another, toprovide the production environment implementing the application.

As specific illustrative examples, the assets making up a givenproduction environment can include, but are not limited to, thefollowing: one or more computing environments used to implement theapplication in the production environment such as a data center, a cloudcomputing environment, a dedicated hosting environment, and/or one ormore other computing environments in which one or more assets used bythe application in the production environment are implemented; one ormore computing systems or computing entities used to implement theapplication in the production environment; one or more virtual assetsused to implement the application in the production environment; one ormore supervisory or control systems, such as hypervisors, or othermonitoring and management systems used to monitor and control assetsand/or components of the production environment; one or morecommunications channels for sending and receiving data used to implementthe application in the production environment; one or more accesscontrol systems for limiting access to various components of theproduction environment, such as firewalls and gateways; one or moretraffic and/or routing systems used to direct, control, and/or bufferdata traffic to components of the production environment, such asrouters and switches; one or more communications endpoint proxy systemsused to buffer, process, and/or direct data traffic, such as loadbalancers or buffers; one or more secure communication protocols and/orendpoints used to encrypt/decrypt data, such as Secure Sockets Layer(SSL) protocols, used to implement the application in the productionenvironment; one or more databases used to store data in the productionenvironment; one or more internal or external services used to implementthe application in the production environment; one or more backendsystems, such as backend servers or other hardware used to process dataand implement the application in the production environment; one or moresoftware systems used to implement the application in the productionenvironment; and/or any other assets/components making up an actualproduction environment in which an application is deployed, implemented,accessed, and run, e.g., operated, as discussed herein, and/or as knownin the art at the time of filing, and/or as developed after the time offiling.

As used herein, the term “computing environment” includes, but is notlimited to, a logical or physical grouping of connected or networkedcomputing systems and/or virtual assets using the same infrastructureand systems such as, but not limited to, hardware systems, softwaresystems, and networking/communications systems. Typically, computingenvironments are either known, “trusted” environments or unknown,“untrusted” environments. Typically, trusted computing environments arethose where the assets, infrastructure, communication and networkingsystems, and security systems associated with the computing systemsand/or virtual assets making up the trusted computing environment, areeither under the control of, or known to, a party.

In various embodiments, each computing environment includes allocatedassets and virtual assets associated with, and controlled or used tocreate, and/or deploy, and/or operate an application.

In various embodiments, one or more cloud computing environments areused to create, and/or deploy, and/or operate an application that can beany form of cloud computing environment, such as, but not limited to, apublic cloud; a private cloud; a virtual private network (VPN); asubnet; a Virtual Private Cloud (VPC); a sub-net or anysecurity/communications grouping; or any other cloud-basedinfrastructure, sub-structure, or architecture, as discussed herein,and/or as known in the art at the time of filing, and/or as developedafter the time of filing.

In many cases, a given application or service may utilize, and interfacewith, multiple cloud computing environments, such as multiple VPCs, inthe course of being created, and/or deployed, and/or operated.

As used herein, the term “virtual asset” includes any virtualized entityor resource, and/or virtualized part of an actual, or “bare metal”entity. In various embodiments, the virtual assets can be, but are notlimited to, the following: virtual machines, virtual servers, andinstances implemented in a cloud computing environment; databasesassociated with a cloud computing environment, and/or implemented in acloud computing environment; services associated with, and/or deliveredthrough, a cloud computing environment; communications systems usedwith, part of, or provided through a cloud computing environment; and/orany other virtualized assets and/or sub-systems of “bare metal” physicaldevices such as mobile devices, remote sensors, laptops, desktops,point-of-sale devices, etc., located within a data center, within acloud computing environment, and/or any other physical or logicallocation, as discussed herein, and/or as known/available in the art atthe time of filing, and/or as developed/made available after the time offiling.

In various embodiments, any, or all, of the assets making up a givenproduction environment discussed herein, and/or as known in the art atthe time of filing, and/or as developed after the time of filing can beimplemented as one or more virtual assets.

In one embodiment, two or more assets, such as computing systems and/orvirtual assets, and/or two or more computing environments are connectedby one or more communications channels including but not limited to,Secure Sockets Layer (SSL) communications channels and various othersecure communications channels, and/or distributed computing systemnetworks, such as, but not limited to the following: a public cloud; aprivate cloud; a virtual private network (VPN); a subnet; any generalnetwork, communications network, or general network/communicationsnetwork system; a combination of different network types; a publicnetwork; a private network; a satellite network; a cable network; or anyother network capable of allowing communication between two or moreassets, computing systems, and/or virtual assets, as discussed herein,and/or available or known at the time of filing, and/or as developedafter the time of filing.

As used herein, the term “network” includes, but is not limited to, anynetwork or network system such as, but not limited to, the following: apeer-to-peer network; a hybrid peer-to-peer network; a Local AreaNetwork (LAN); a Wide Area Network (WAN); a public network, such as theInternet; a private network; a cellular network; any general network,communications network, or general network/communications networksystem; a wireless network; a wired network; a wireless and wiredcombination network; a satellite network; a cable network; anycombination of different network types; or any other system capable ofallowing communication between two or more assets, virtual assets,and/or computing systems, whether available or known at the time offiling or as later developed.

As used herein, the term “user experience” includes not only the dataentry process, but also other user experience features provided ordisplayed to the user such as, but not limited to the following:interfaces; images; backgrounds; avatars; highlighting mechanisms;icons; and any other features that individually, or in combination,create a user experience, as discussed herein, and/or as known in theart at the time of filing, and/or as developed after the time of filing.

Herein, the term “party,” “user,” “user consumer,” and “customer” areused interchangeably to denote any party and/or entity that interfaceswith, and/or to whom information is provided by, the method and systemfor providing a spending analysis display dynamically adapted to definedcategories of day and/or date described herein, and/or a person and/orentity that interfaces with, and/or to whom information is provided by,the method and system for providing a spending analysis displaydynamically adapted to defined categories of day and/or date describedherein, and/or a legal guardian of person and/or entity that interfaceswith, and/or to whom information is provided by, the method and systemfor providing a spending analysis display dynamically adapted to definedcategories of day and/or date described herein, and/or an authorizedagent of any party and/or person and/or entity that interfaces with,and/or to whom information is provided by, the method and system forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date described herein. For instance, in variousembodiments, a user can be, but is not limited to, a person, acommercial entity, an application, a service, and/or a computing system.

Method and System Environment

Embodiments of the present disclosure address some of the shortcomingsassociated with prior art financial management system displays byproviding users an intuitive and interactive spending analysis displayshowing relative spending in high level financial transactioncategories, or Uber financial transaction categories, such aswants/discretionary spending and needs/non-discretionary spending, in asingle and simple user interface display that is dynamically adapted tothe display time to provide a spending analysis/tracking number that isdynamically adjusted/adapted to reflect periodically repeatingvariations in user spending.

In one embodiment, a spending analysis display is provided that includesa spending analysis number associated with a defined Uber financialtransaction category and that indicates to a user an average spendingamount for the current time period category, such as a weekday or aweekend day, during a defined comparison timeframe, such as the last 30days. The spending analysis number calculated and displayed variesaccording to the current time, and the determined time period categoryof the current time. Consequently, as one example, the spending analysisnumber calculated and displayed for a weekday, or work day, is likelydifferent than the spending analysis number calculated and displayed ona weekend day, or non-work day.

In accordance with one embodiment, one or more first category timeperiods are defined.

In various embodiments, the one or more first category time periodsrepresent time periods of a first type for the user, such as, but notlimited to, time periods when the user is working, awake, traveling, orany other time periods distinguished from other time periods, such asthe one or more second category time periods discussed below, by aparticular event or activity the given user engages in during the one ormore first category time periods. In various embodiments, the one ormore first category time periods are defined by the particular user;and/or the method and/or system for providing a spending analysisdisplay dynamically adapted to defined categories of day and/or date;and/or the provider of the method/system for providing a spendinganalysis display dynamically adapted to defined categories of day and/ordate; and/or any other party.

In various embodiments, the one or more first category time periods canbe, but are not limited to, specified hours of the day; specified hoursof a specified day; a specified day; specified days of the week;specified days of a specified week; specified days of one or morespecified weeks; specified days of a month; specified days of aspecified month; specified weeks of a month; specified days of one ormore specified months; specified weeks of one or more specified months;a specified month; one or more specified months; a specified month of aspecified year; one or more specified months of a specified year; aspecified month of one or more specified years; one or more specifiedmonths of one or more specified years; a specified year; one or morespecified years; and/or any other time period or timeframe discussedherein, and/or as known in the art at the time of filing, and/or asdeveloped/determined after the time of filing.

As one non-limiting specific illustrative example of one embodiment,work days, working hours, or weekdays, are defined as first categorytime periods.

In one embodiment, once the one or more first category time periods aredefined, first category time period data is generated representing thedefined one or more first category time periods.

In accordance with one embodiment, one or more second category timeperiods, distinct from the first category time periods, are defined.

In various embodiments, the one or more second category time periodsrepresent time periods of a second type for the user, that are distinctfrom the one or more first category time periods, such as, but notlimited to, time periods when the user is not working, asleep, at home,or any other time periods distinguished from the one or more firstcategory time periods by a particular event or activity the given userengages in during the one or more second category time periods. Invarious embodiments, the one or more second category time periods aredefined by the particular user; and/or the method and/or system forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date; and/or the provider of the method/systemfor providing a spending analysis display dynamically adapted to definedcategories of day and/or date; and/or any other party.

In various embodiments, the one or more second category time periods canbe, but are not limited to, specified hours of the day; specified hoursof a specified day; a specified day; specified days of the week;specified days of a specified week; specified days of one or morespecified weeks; specified days of a month; specified days of aspecified month; specified weeks of a month; specified days of one ormore specified months; specified weeks of one or more specified months;a specified month; one or more specified months; a specified month of aspecified year; one or more specified months of a specified year; aspecified month of one or more specified years; one or more specifiedmonths of one or more specified years; a specified year; one or morespecified years; and/or any other time period or timeframe discussedherein, and/or as known in the art at the time of filing, and/or asdeveloped/determined after the time of filing.

As one non-limiting specific illustrative example of one embodiment,non-work days, non-work hours, or weekend days, are defined as secondcategory time periods.

In one embodiment, once the one or more second category time periods aredefined, second category time period data is generated representing thedefined one or more second category time periods.

In one embodiment, a comparison timeframe is defined. In one embodiment,the comparison timeframe includes one or more first category timeperiods and/or one or more second category time periods.

In various embodiments, comparison timeframe is the timeframe that is tobe used to calculate various intermediate values and quantities and theneventually determine spending analysis numbers presented to the user inone or more spending analysis displays. As discussed below, onlyfinancial transaction data representing financial transactions conductedduring the defined comparison timeframe is used to calculate variousintermediate values and quantities and then eventually determinespending analysis numbers presented to the user in one or more spendinganalysis displays.

In various embodiments, the comparison timeframe is defined by theparticular user; and/or the method and/or system for providing aspending analysis display dynamically adapted to defined categories ofday and/or date; and/or the provider of the method/system for providinga spending analysis display dynamically adapted to defined categories ofday and/or date; and/or any other party.

In various embodiments, the comparison timeframe can be, but is notlimited to, specified hours of the day; specified hours of a specifiedday; a specified day; specified days of the week; specified days of aspecified week; specified days of one or more specified weeks; specifieddays of a month; specified days of a specified month; specified weeks ofa month; specified days of one or more specified months; specified weeksof one or more specified months; a specified month; one or morespecified months; a specified month of a specified year; one or morespecified months of a specified year; a specified month of one or morespecified years; one or more specified months of one or more specifiedyears; a specified year; one or more specified years; and/or any othertime period or timeframe discussed herein, and/or as known in the art atthe time of filing, and/or as developed/determined after the time offiling.

In one embodiment, the comparison timeframe is selected so that thecomparison timeframe is a shifting timeframe window such that thecomparison timeframe is adapted each day, or new first or secondcategory time period, to reflect the new and updated comparisontimeframe. In this way, the comparison timeframe is continuouslyevolving/shifting to represent the latest data and to determine spendinganalysis numbers presented to the user in one or more spending analysisdisplays on a dynamically evolving/shifting basis.

Continuing with the specific illustrative example set forth above, theprevious 30 days is defined as the comparison timeframe. In oneembodiment, the previous 30 days is selected so that the comparisontimeframe is de facto a shifting timeframe window so that each day theprevious 30 days is redefined and the spending analysis numberspresented to the user in one or more spending analysis displays arecalculated on a dynamically evolving/shifting basis. For instance, ifthe comparison timeframe is defined as the previous 30 days starting onthe 10^(th) of May, then on the 10^(th) of May the comparison timeframeis April 10th thru May 10th. However, on May 11th, the comparisontimeframe is shifted to April 11th thru May 11th.

In one embodiment, once the comparison timeframe is defined, comparisontimeframe data is generated representing the defined comparisontimeframe.

In one embodiment, a comparison timeframe first category time periodnumber is calculated. In one embodiment, the comparison timeframe firstcategory time period number is calculated by determining the number offirst category time periods that occurred in the defined comparisontimeframe.

Continuing with the specific illustrative example set forth above, inone embodiment, the comparison timeframe first category time periodnumber is calculated by determining the number of work days, orweekdays, in the previous 30 days. For this specific example, assumethere were 20 work days/weekdays in the past 30 days.

In one embodiment, once the comparison timeframe first category timeperiod number is calculated, comparison timeframe first category timeperiod number data is generated representing the calculated comparisontimeframe first category time period number.

In one embodiment, a comparison timeframe second category time periodnumber is calculated. In one embodiment, the comparison timeframe secondcategory time period number is calculated by determining the number ofsecond category time periods that occurred in the defined comparisontimeframe.

Continuing with the specific illustrative example set forth above, inone embodiment, the comparison timeframe second category time periodnumber is calculated by determining the number of non-work days, orweekend days, in the previous 30 days. For this specific example, assumethere were 10 non-work/weekend days in the past 30 days.

In one embodiment, once the comparison timeframe second category timeperiod number is calculated, comparison timeframe second category timeperiod number data is generated representing the calculated comparisontimeframe second category time period number.

In one embodiment, a first Uber financial transaction category isdefined.

In various embodiments, financial transaction categories are definedthat represent manually or automatically applied financial transactioncategories used to categorize and process various financial transactionsassociated with the user. In various embodiments, the financialtransaction categories are defined by the provider of the method andsystem for providing a spending analysis display dynamically adapted todefined categories of day and/or date. In other embodiments, thefinancial transaction categories are defined by one or more financialmanagement systems such as, but not limited to, any of the financialmanagement systems as discussed herein, and/or as known in the art atthe time of filing, and/or as developed after the time of filing.

Herein, a financial management system can be, but is not limited to, anydata management system that gathers financial data, including financialtransactional data, from one or more sources, such as financial accountsand financial institutions, and/or has the capability to analyze andcategorize at least part of the financial data.

As discussed above, current financial management systems are typicallysoftware applications and/or web-based services, which, along with aparent computing system, server system, or device, helpindividuals/users manage their finances by providing a centralizedinterface with banks, credit card companies, asset account providers,mortgage companies, retirement account providers, and other variousfinancial and asset management institutions and/or accounts, foridentifying, processing, storing, and categorizing user financialtransactions. Currently, financial management systems typically obtainfinancial transaction data, such as payee identification, paymentamount, date of the transaction, time of transaction, etc., viacommunication with banks, credit card providers, or other financialinstitutions, using data entry, and/or links to databases, and/or screenscraping technology, and/or electronic data transfer systems, such asthe Open Financial Exchange (OFX) specification, and/or various othersystems for obtaining and transferring financial transaction data.

Using some financial management systems, the financial transaction data,payee identification, payment amount, date of the transaction, variousdescriptions, tags and/or labels, and/or other identifying data is usedby the financial management system to identify, categorize, and/or tagindividual financial transactions as a particular type of income orexpense, to generate various financial reports, and to create anoverview of the user's financial situation based on input from multiple,and preferably all, available sources of financial information/dataregarding a user. To this end, many financial management systems definetheir own financial transaction categories.

In some embodiments, the financial transaction categories are defined byoutside agencies such as, but not limited to, the Internal RevenueService (IRS) or other state and local tax agencies.

In various embodiments, the financial transaction categories definedinclude, but are not limited to, one or more the following:entertainment categories, such as arts, amusement, music, movies andDVDs, newspaper and magazines, etc.; shopping categories, such asclothing, books, electronics and software, hobbies, sporting goods,etc.; personal care categories, such as hair, spa and massage, etc.;health and fitness categories, such as gym, sports, etc.; kidscategories, such as toys, kid activities, allowance, etc.; food anddining categories, such as coffee, fast food, restaurants, alcohol,etc.; gift and donation categories, such as, gifts, charity, etc.; petand pet care categories, such as, pet grooming, etc.; financialtransaction categories, such as, life insurance, financial advisor fees,accountant fees, etc.; home categories, such as, furnishings, lawn andgarden, home improvement, television, cable, home phone, Internet,mobile phone, etc.; travel categories, such as, air travel, hotelexpenses, rental car and taxi expenses, vacation, etc.;uncategorized/undetermined transactions such as, cash ATM transactions,check transactions, transfer transactions, credit card payments, etc.;investment categories, such as, deposits, withdrawals, dividends andcapital, buy, sell, etc.; and/or any other financial transactioncategories defined and/or discussed herein, and/or as known in the artat the time of filing, and/or as developed after the time of filing.

In one embodiment, at least one Uber financial transaction category, afirst Uber financial transaction category, is defined. In variousembodiments, the Uber financial transaction categories are broadfinancial transaction categories that include, or encompass, one or moreof the financial transaction categories discussed above.

In one embodiment, the Uber financial transaction categories are definedin pairs of Uber financial transaction categories that arerepresentative of a broad categorization of various subsets of financialtransaction categories.

For instance, in one specific example, the pair of Uber financialtransaction categories is a “wants” Uber financial transaction categoryrepresenting discretionary spending financial transactions and a “needs”Uber financial transaction category representing non-discretionaryfinancial transactions. In this specific illustrative example, the Uberfinancial transaction categories are used to distinguish betweenfinancial transactions, and associated financial transaction categories,over which the user has control, i.e., that are associated with spendingthat is not required, but rather represents desired spending on a“wanted” item or service, as opposed to financial transactions, andassociated financial transaction categories, over which the user has nocontrol, i.e., that are associated with spending that is required and isnot optional, such as utilities, rent, mortgage, etc.

In various embodiments, the first Uber financial transaction categorycan be either the “wants” Uber financial transaction category or the“needs” Uber financial transaction category.

As noted above, one long standing problem associated with traditionalfinancial management systems displays is the inability to present userstheir financial information in an efficient, relevant, intuitive,interactive, and dynamic way that is of practical use. However, bydividing the user's spending transactions between relatively few, in oneembodiment only one, Uber financial transaction categories, the user isprovided a straightforward display illustrating, in this specificillustrative example, how much the user is spending on items andservices that are needed, and therefore not discretionary, versus howmuch the user is spending on items and services that are not needed, butwhich are desired.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “good” and “bad” spending Uberfinancial transaction category pair through which the users financialtransactions are divided between financial transactions representinggood spending habits and financial transactions representing badspending habits. In various embodiments, the first Uber financialtransaction category can be either the “good” spending Uber financialtransaction category or the “bad” spending Uber financial transactioncategory.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “discretionary” and“non-discretionary” Uber financial transaction category pair. This Uberfinancial transaction category pair is very similar to the wants andneeds pair discussed above. In various embodiments, the first Uberfinancial transaction category can be either the “discretionary” Uberfinancial transaction category or the “non-discretionary” Uber financialtransaction category.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “worth it” and “not worth it” Uberfinancial transaction category pair. This Uber financial transactioncategory pair is used to divide financial transactions into those thatare deemed worth the expenditure and those that are deemed not worth theexpenditure. This Uber financial transaction category pairing allows auser to examine, and presumably learn from, previous spending habits. Invarious embodiments, the first Uber financial transaction category canbe either the “worth it” Uber financial transaction category or the “notworth it” Uber financial transaction category.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “would repeat” and “would not repeat”Uber financial transaction category pair. This Uber financialtransaction category pair is similar to the “worth it” and “not worthit” financial transaction category pair discussed above. In variousembodiments, the first Uber financial transaction category can be eitherthe “would repeat” Uber financial transaction category or the “would notrepeat” Uber financial transaction category.

Other examples of pairs of Uber financial transaction categories includeany Uber financial transaction categories as discussed herein, and/or asknown in the art at the time of filing, and/or as developed after thetime of filing. In various embodiments, the first Uber financialtransaction category can be any Uber financial transaction category asdiscussed herein, and/or as known in the art at the time of filing,and/or as developed after the time of filing.

In one embodiment, once the first Uber financial transaction category isdefined, first Uber financial transaction category data representing thedefined first Uber financial transaction category is generated.

In one embodiment, once the first Uber financial transaction category isdefined and first Uber financial transaction category data is generated,a subset of the financial transaction categories is mapped to the firstUber financial transaction category.

This mapping of the one or more financial transaction categories to thefirst Uber financial transaction category represents the fact that somedefined financial transaction categories, such as, for instance, thefinancial transaction categories of rent, utilities, car repair,insurance payments, etc. are almost always identifiable as, for example,needs-based, or non-discretionary, financial transactions, and thereforeshould always be mapped to the needs/non-discretionary Uber financialtransaction category and never mapped to the wants/discretionary Uberfinancial transaction category. In contrast, some defined financialtransaction categories, such as entertainment, pet grooming, vacation,etc., are almost always wants-based financial transactions, andtherefore should always be mapped to the wants Uber financialtransaction category and never to the needs/non-discretionary Uberfinancial transaction category.

However, some financial transaction categories, and associated financialtransactions, are either uncategorized or are categorized in financialtransaction categories which are not clearly mapped to any Uberfinancial transaction categories. For instance, the financialtransaction categories shopping, clothing, personal care, hair, kids,kids' activities, allowance, food and dining, pets, home, homefurnishings, ATM transactions, check transactions, withdraw transaction,etc., are mapped to either the needs/non-discretionary Uber financialtransaction category or the wants/discretionary Uber financialtransaction category, depending on the specific financial transaction.As an illustrative example, a given financial transaction categorized asclothing could either be a purchase of business attire necessary to keepone's job, in which case it would clearly be mapped to theneeds/non-discretionary Uber financial transaction category, or it couldrepresent a purchase of a new party dress or hobby related clothingwhich would most likely be mapped to the wants/discretionary Uberfinancial transaction category.

Consequently, in one embodiment, those financial transaction categories,and associated financial transactions, that are clearly, or most likely,related to purchases associated with the first Uber financialtransaction category are automatically mapped to the first Uberfinancial transaction category and those financial transactioncategories, and associated financial transactions, that are clearly, ormost likely, related to purchases associated another financialtransaction category are not automatically mapped to the first Uberfinancial transaction category. In addition, those financialtransactions that are either not categorized, or are categorized usingfinancial transaction categories that are not clearly associated withthe first Uber financial transaction category, or any Uber financialtransaction category, are designated uncategorized/undeterminedfinancial transactions and are therefore not mapped to the first Uberfinancial transaction category, but are instead accumulated in a set ofuncategorized/undetermined financial transaction data representing theuncategorized/undetermined financial transactions.

In some embodiments, the initial mapping of the financial transactioncategories to the first Uber financial transaction category is performedby the provider of the method and system for providing a spendinganalysis display dynamically adapted to defined categories of day and/ordate. In some embodiments, the initial mapping of the financialtransaction categories to the first Uber financial transaction categoryperformed by the provider of the method and system for providing aspending analysis display dynamically adapted to defined categories ofday and/or date can then be modified by the user, or as a result offeedback received during the operation of the method and system forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date.

In other embodiments, the mapping of the financial transactioncategories to the first Uber financial transaction category is performedby the user and this initial mapping can be modified by the user forvarious reasons. For instance, while financial transactions related topurchasing coffee might be initially mapped by either the user or theprovider of the method and system for providing a spending analysisdisplay dynamically adapted to defined categories of day and/or date tothe first Uber financial transaction category, in one embodiment, theuser may change this mapping to another Uber financial transactioncategory, or to the uncategorized/undetermined financial transactioncategory. One reason a user might wish to change the mapping of afinancial transaction category to the uncategorized/undeterminedfinancial transaction category would be to force the user to visualizeand interact with a specific category of financial transactions, asdiscussed below.

Continuing with the specific illustrative example set forth above, inone embodiment, discretionary spending is defined as the first Uberfinancial transaction category.

In one embodiment, once the first Uber financial transaction category isdefined, first Uber financial transaction category data is generatedrepresenting the defined first Uber financial transaction category.

In one embodiment, financial transaction data representing one or morefinancial transactions associated with a user conducted during thecomparison timeframe is obtained.

In one embodiment, the financial transaction data is obtained from oneor more financial management systems, such as any of the financialmanagement systems discussed herein, and/or as known in the art at thetime of filing, and/or as developed after the time of filing, and/or byany means as discussed herein, and/or as known in the art at the time offiling, and/or as becomes known after the time of filing.

In one embodiment, the financial transaction data is financialtransaction data from a defined comparison timeframe including any ofthe defined comparison timeframes discussed above.

Continuing with the specific illustrative example set forth above, inone embodiment, financial transaction data representing one or morefinancial transactions associated with a user conducted during theprevious 30 days is obtained, in one example, from a financialtransaction management system.

In one embodiment, analysis is performed on the financial transactiondata to identify one or more financial transactions associated with auser conducted during the one or more first category time periods thatoccurred in the defined comparison timeframe and that are mapped to thefirst Uber financial transaction category.

In one embodiment, once the financial transaction data is obtained, asmany of the financial transactions represented in the financialtransaction data are categorized in the financial transaction categoriesas is possible.

In one embodiment, as many of the categorized financial transactions,and as much categorized financial transaction data, as possible ismapped to the first Uber financial transaction category using thefinancial transaction category to Uber financial transaction categorymapping discussed above.

In one embodiment, as a result of the categorization and mapping of thefinancial transactions represented in the financial transaction data,each of the financial transactions represented in the financialtransaction data is assigned to one of three general categories; thefirst Uber financial transaction category, any Uber financialtransaction category other than the first Uber financial transactioncategory, or the uncategorized/undetermined financial transactioncategory.

In one embodiment, all of the financial transactions represented in thefinancial transaction data mapped to the first Uber financialtransaction category are also analyzed to identify financialtransactions represented in the financial transaction data mapped to thefirst Uber financial transaction category and conducted during the oneor more first category time periods.

Continuing with the specific illustrative example set forth above, inone embodiment, the financial transaction data representing one or morefinancial transactions associated with a user conducted during theprevious 30 days is analyzed to identify discretionary spending relatedfinancial transactions associated with a user conducted during theprevious 30 days on work days/weekdays.

In one embodiment, financial transactions represented in the financialtransaction data mapped to the first Uber financial transaction categoryand conducted during the one or more first category time periods areaccumulated and a first Uber financial transaction category firstcategory time period cumulative amount representing the cumulative totalof the amounts of the financial transactions represented in thefinancial transaction data mapped to the first Uber financialtransaction category and conducted during the one or more first categorytime periods is calculated.

Consequently, as a specific illustrative example, in one embodiment, allof the financial transactions represented in the financial transactiondata mapped to the wants/discretionary Uber financial transactioncategory that were conducted on work days/weekdays are accumulated and acumulative total of the amounts of the financial transactions mapped tothe wants/discretionary financial transaction category conducted on workdays/weekdays is calculated to reveal the user's total spending for thecomparison timeframe in the wants/discretionary Uber financialtransaction category conducted on work days/weekdays.

Continuing with the specific illustrative example set forth above, afirst Uber financial transaction category first category time periodcumulative amount is calculated by adding total of the amounts of theidentified discretionary spending related financial transactionsassociated with a user conducted during the previous 30 days on workdays/weekdays. In this specific illustrative example, we stipulate thatthe first Uber financial transaction category first category time periodcumulative amount is calculated as $940.00.

In one embodiment, all of the financial transactions represented in thefinancial transaction data mapped to the first Uber financialtransaction category are also analyzed to identify financialtransactions represented in the financial transaction data mapped to thefirst Uber financial transaction category and conducted during the oneor more second category time periods.

Continuing with the specific illustrative example set forth above, inone embodiment, the financial transaction data representing one or morefinancial transactions associated with a user conducted during theprevious 30 days is analyzed to identify discretionary spending relatedfinancial transactions associated with a user conducted during theprevious 30 days on non-work days/weekend days.

In one embodiment, once the first Uber financial transaction categoryfirst category time period cumulative amount is calculated, first Uberfinancial transaction category second category time period cumulativeamount data representing the first Uber financial transaction categorysecond category time period cumulative amount is generated.

In one embodiment, financial transactions represented in the financialtransaction data mapped to the first Uber financial transaction categoryand conducted during the one or more second category time periods areaccumulated and a second Uber financial transaction category secondcategory time period cumulative amount representing cumulative total ofthe amounts of the financial transactions represented in the financialtransaction data mapped to the first Uber financial transaction categoryand conducted during the one or more second category time periods iscalculated.

Consequently, as a specific illustrative example, in one embodiment, allof the financial transactions represented in the financial transactiondata mapped to the wants/discretionary Uber financial transactioncategory that were conducted on non-work days/weekend days areaccumulated and a cumulative total of the amounts of the financialtransactions mapped to the wants/discretionary financial transactioncategory conducted on non-work days/weekend days is calculated to revealthe user's total spending for the comparison timeframe in thewants/discretionary Uber financial transaction category conducted onnon-work days/weekend days.

Continuing with the specific illustrative example set forth above, afirst Uber financial transaction category second category time periodcumulative amount is calculated by adding total of the amounts of theidentified discretionary spending related financial transactionsassociated with a user conducted during the previous 30 days on non-workdays/weekend days. In this specific illustrative example, we stipulatethat the first Uber financial transaction category second category timeperiod cumulative amount is calculated as $910.00.

In one embodiment, all of the financial transaction data representinguncategorized/undetermined financial transactions in the definedcomparison timeframe is also accumulated.

In one embodiment, a history of the user's spending is obtained andstored. In this embodiment, a user's financial transactions during thedefined comparison timeframe is compared with the user's similarhistorical financial transactions in previous time periods. In oneembodiment, if the user's financial transactions during the definedcomparison timeframe are for amounts that are significantly differentfrom the user's similar historical financial transactions, then thecurrent financial transactions are categorized asundetermined/uncategorized even if the financial transactions wouldnormally be mapped to either the first, or another, Uber financialtransaction category.

In this way, in one embodiment, even though a specific financialtransaction category is typically mapped to a specific Uber financialtransaction category, if the amount of the specific financialtransaction changes, e.g., increases, the normal mapping of thefinancial transaction is no longer considered valid and the user isasked to examine the financial transaction and categorize it manually.So, as a specific illustrative example, if a user has a monthlyfinancial transaction categorized as utilities for an amount thataverages between $100 and $200 and then, in the current relevant timeperiod, the monthly financial transaction categorized as utilities jumpsto $500, that financial transaction will be sent to theuncategorized/undetermined financial transaction category, as opposed tothe normal second, or needs, Uber financial transaction category.Consequently, if the user has increased the user's utility bill byadding holiday lights to the house, the user is not only made aware ofthis fact, but the user is forced to categorize the new amount, at leastin part, as a wants-based transaction as opposed to the normalneeds-based transaction.

In one embodiment, an average first Uber financial transaction categoryfirst category time period amount is calculated by dividing the firstUber financial transaction category first category time periodcumulative amount by the comparison timeframe first category time periodnumber.

Continuing with the specific illustrative example set forth above, anaverage first Uber financial transaction category first category timeperiod amount is calculated by dividing the first Uber financialtransaction category first category time period cumulative amount of$940.00 by the comparison timeframe first category time period number of20 to yield an average first Uber financial transaction category firstcategory time period amount of $47.00.

In one embodiment, an average first Uber financial transaction categorysecond category time period amount is calculated by dividing the firstUber financial transaction category second category time periodcumulative amount by the comparison timeframe second category timeperiod number.

Continuing with the specific illustrative example set forth above, anaverage first Uber financial transaction category second category timeperiod amount is calculated by dividing the second Uber financialtransaction category first category time period cumulative amount of$910.00 by the comparison timeframe second category time period numberof 10 to yield an average first Uber financial transaction categorysecond category time period amount of $91.00.

In one embodiment, a spending analysis display is generated including afirst Uber financial transaction category analysis display region.

In one embodiment a determination is made as to whether a current timeis in the first category time period or the second category time periodfor the user. In one embodiment, the determination as to whether acurrent time is in the first category time period or the second categorytime period is made based on current time data received from a usercomputing system associated with the user, and/or GPS data provided by auser computing system associated with the user.

In one embodiment, the determination as to whether a current time is inthe first category time period or the second category time period ismade based on data provided by the user.

In various embodiments, the determination as to whether a current timeis in the first category time period or the second category time periodis made based on data from any source of current time data discussedherein, and/or as known in the art at the time of filing, and/or asdeveloped after the time of filing.

In one embodiment, if the current time is determined to be in the firstcategory time period for the user, the first Uber financial transactioncategory analysis display region includes a first Uber financialtransaction category analysis number calculated based on the calculatedaverage first Uber financial transaction category first category timeperiod amount.

In various embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed is simply the average firstUber financial transaction category first category time period amount.In other embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed is a further processed numberdetermined based on the average first Uber financial transactioncategory first category time period amount. For instance, in oneembodiment, the first Uber financial transaction category analysisnumber is the average first Uber financial transaction category firstcategory time period amount minus recent transaction amounts categorizedas being in the first Uber financial transaction category to reveal anamount left for spending in the first Uber financial transactioncategory.

Continuing with the specific illustrative example set forth above, ifthe current time is determined to be a work day/weekday for the user,the calculated average first Uber financial transaction category firstcategory time period amount of $47.00 is displayed in the first Uberfinancial transaction category analysis display region. A specificillustrative example of this first Uber financial transaction categoryanalysis display region is shown in FIG. 4 and is discussed below.

In one embodiment, if the current time is determined to be in the secondcategory time period for the user, the first Uber financial transactioncategory analysis display region includes a first Uber financialtransaction category analysis number calculated based on the calculatedaverage first Uber financial transaction category second category timeperiod amount. A specific illustrative example of this first Uberfinancial transaction category analysis display region is shown in FIG.5 and is discussed below.

In various embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed is simply the average firstUber financial transaction category second category time period amount.In other embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed is a further processed numberdetermined based on the average first Uber financial transactioncategory second category time period amount. For instance, in oneembodiment, the first Uber financial transaction category analysisnumber is the average first Uber financial transaction category secondcategory time period amount minus recent transaction amounts categorizedas being in the first Uber financial transaction category to reveal anamount left for spending in the first Uber financial transactioncategory.

Continuing with the specific illustrative example set forth above, ifthe current time is determined to be a non-work day/weekend day for theuser, the calculated average first Uber financial transaction categorysecond category time period amount of $91.00 is displayed.

In one embodiment, the spending analysis display is then made accessibleto the user via a display screen of a user computing system.

As noted above, FIG. 4 a specific illustrative example of a spendinganalysis display 400 including first Uber financial transaction categoryanalysis display region 401. As seen in FIG. 4, spending analysisdisplay 400 also includes notification 403 indicating to the user thatfirst Uber financial transaction category analysis display region 401shows the average first Uber financial transaction category firstcategory time period amount, e.g., the average first Uber financialtransaction category weekday amount, that may be different from theaverage first Uber financial transaction category second category timeperiod amount, e.g., the average first Uber financial transactioncategory weekend day amount.

As also shown in FIG. 4, spending analysis display 400 includesnotification 405 indicating that there are 28 financial transactionsthat have not been categorized as being in the first Uber financialtransaction category, or another Uber financial transaction category,and categorize now field 407 that can be activated to link to the 28financial transactions that have not been categorized as being in thefirst Uber financial transaction category, for categorization purposes.

In one embodiment, the spending analysis display is an intuitive andinteractive spending analysis display that includes at least fourdisplay regions; a first spending analysis display region for displayingthe cumulative of total of the amounts of the financial transactionsmapped to the first Uber financial transaction category, a secondspending analysis display region for displaying the cumulative total ofthe amounts of the financial transactions mapped to a second Uberfinancial transaction category, a third spending analysis display regionfor displaying the individual uncategorized/undetermined financialtransactions not mapped to either the first or second Uber financialtransaction categories; and a fourth analysis display region that is afirst Uber financial transaction category analysis display region.

In various embodiments, the first and second regions of the intuitiveand interactive spending analysis display are visually distinguishablefrom each other and represented as physically removed from one another.For instance, as a specific illustrative example, in one embodiment, thefirst display region of the intuitive and interactive spending analysisdisplay is of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the first Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display is of a second color, and/orincludes the cumulative total of the amounts of the financialtransactions mapped to the second Uber financial transaction category,and is displayed in a second display region on a second side of thespending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first icongraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the first Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second icon graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the second Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a firstanimated graphic of a first color, and/or includes the cumulative totalof the amounts of the financial transactions mapped to the first Uberfinancial transaction category, and is displayed in a first displayregion on a first side of the spending analysis display, while thesecond display region of the spending analysis display includes a secondanimated graphic of a second color, and/or includes the cumulative totalof the amounts of the financial transactions mapped to the second Uberfinancial transaction category, and is displayed in a second displayregion on a second side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first shapedgraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the first Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second shaped graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the second Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first symbolgraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the first Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second symbol graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the second Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a firstalpha-numeric graphic of a first color, and/or includes the cumulativetotal of the amounts of the financial transactions mapped to the firstUber financial transaction category, and is displayed in a first displayregion on a first side of the spending analysis display, while thesecond display region of the spending analysis display includes a secondalpha-numeric graphic of a second color, and/or includes the cumulativetotal of the amounts of the financial transactions mapped to the secondUber financial transaction category, and is displayed in a seconddisplay region on a second side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first avatargraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the first Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second avatar graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the second Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

In various other embodiments, the first display region of the intuitiveand interactive spending analysis display includes any graphic of anycolor, and/or includes the cumulative total of the amounts of thefinancial transactions mapped to the first Uber financial transactioncategory, and is displayed in a first display region in any region ofthe intuitive and interactive spending analysis display, while thesecond display region of the intuitive and interactive spending analysisdisplay includes any graphic of any color, and/or includes thecumulative total of the amounts of the financial transactions mapped tothe second Uber financial transaction category, and is displayed in asecond display region in any different region of the intuitive andinteractive spending analysis display.

FIG. 5 shows an illustrative example of an intuitive and interactivespending analysis display 502 in accordance with one embodiment. As seenin FIG. 5, intuitive and interactive spending analysis display 502includes first display region 507 and second display region 505. In thespecific illustrative example of FIG. 5, first display region 507 andsecond display region 505 are visually distinguishable from each otherand represented as physically removed from one another.

In the specific illustrative example of FIG. 5, first display region 507of intuitive and interactive spending analysis display 502 is labeled“wants” and, in one embodiment, is of a first color. In the specificillustrative example of FIG. 5, first display region 507 of intuitiveand interactive spending analysis display 502 includes an initialcumulative total of the amounts of the financial transactions mapped tothe first, or wants, Uber financial transaction category, i.e., $4055,for the defined comparison timeframe, and is displayed in the upperright side of intuitive and interactive spending analysis display 502.

Similarly, in the specific illustrative example of FIG. 5, seconddisplay region 505 of intuitive and interactive spending analysisdisplay 502 is labeled “needs” and, in one embodiment, is of a secondcolor. In the specific illustrative example of FIG. 5, second displayregion 505 of intuitive and interactive spending analysis display 502includes an initial cumulative total of the amounts of the financialtransactions mapped to the second, or needs, Uber financial transactioncategory, i.e., $3079, for the defined comparison timeframe, and isdisplayed in the upper left side of intuitive and interactive spendinganalysis display 502.

In the specific illustrative example of FIG. 5, third spending analysisdisplay region 509 of interactive spending analysis display 502 includesan uncategorized/undetermined financial transaction listing of theindividual uncategorized/undetermined financial transactions not mappedto either the needs or wants Uber financial transaction categories. Alsoseen in FIG. 5 is exemplary individual uncategorized/undeterminedfinancial transaction 515 representing a payment of $37.64 to “NewHampshire Hosta”

In the specific illustrative example of FIG. 5, third spending analysisdisplay region 509 of interactive spending analysis display 502 ispositioned approximately halfway between the wants and needs spendinganalysis display regions 507 and 505, and is positioned in the middle ofinteractive spending analysis display 502.

In the specific illustrative example of FIG. 5, a fourth analysisdisplay region 511 is shown that is a first Uber financial transactioncategory analysis display region. In this specific illustrative example,fourth analysis display region 511 includes a spending analysis numberof $91.00 that is the average first Uber financial transaction categorysecond category time period amount, e.g., the average first Uberfinancial transaction category weekend day amount.

In the specific illustrative example of FIG. 5, swipe input display 513is included. In the specific illustrative example of FIG. 5 swipe inputdisplay 513 allows a user to select one of theuncategorized/undetermined financial transactions listed in thirddisplay region 509 of interactive spending analysis display 502 and thenmake a sweeping motion in swipe region 513 to the right to automaticallycategorize the selected uncategorized/undetermined financial transactionlisted in third display region 509 as a member of the wants Uberfinancial transaction category. In one embodiment, the cumulative amountof the wants Uber financial transaction category is then transformed toinclude an amount of the selected uncategorized/undetermined financialtransaction.

Likewise, in the specific illustrative example of FIG. 5 swipe inputdisplay 513 allows a user to select one of theuncategorized/undetermined financial transactions listed in thirddisplay region 509 of interactive spending analysis display 502 and thenmake a sweeping motion in swipe region 513 to the left to automaticallycategorize the selected uncategorized/undetermined financial transactionlisted in third display region 509 as a member of the needs Uberfinancial transaction category. In one embodiment, the cumulative amountof the needs Uber financial transaction category is then transformed toinclude an amount of the selected uncategorized/undetermined financialtransaction.

FIG. 1 is a block diagram of a hardware and production environment 100for, in one embodiment, implementing a method and system for providing aspending analysis display dynamically adapted to defined categories ofday and/or date. As seen in FIG. 1, provider computing system 103 isshown as implemented in provider computing environment 101.

As seen in FIG. 1, in one embodiment, provider computing system 103includes first category time period data 105 representing the definedone or more first category time periods and second category time perioddata 107 representing the defined one or more second category timeperiods, distinct from the first category time periods. As also seen inFIG. 1, provider computing system 103 includes comparison timeframe data109 representing the defined comparison timeframe.

As seen in FIG. 1, in one embodiment, provider computing system 103includes comparison timeframe first and second category time periodnumber determination module 111 for calculating a comparison timeframefirst category time period number by determining the number of firstcategory time periods that occurred in the defined comparison timeframeand a comparison timeframe second category time period number bydetermining the number of second category time periods that occurred inthe defined comparison timeframe.

As seen in FIG. 1, in one embodiment, provider computing system 103includes first Uber financial transaction category data 113 representingthe defined first Uber financial transaction category and financialtransaction data 115.

As seen in FIG. 1, in one embodiment, provider computing system 103includes first analysis module 117 for analyzing financial transactiondata 115 to identify one or more financial transactions associated witha user conducted during the one or more first category time periods thatoccurred in the defined comparison timeframe and that are mapped to thefirst Uber financial transaction category.

As seen in FIG. 1, in one embodiment, provider computing system 103includes second analysis module 119 for analyzing financial transactiondata 115 to identify one or more financial transactions associated witha user conducted during the one or more second category time periodsthat occurred in the defined comparison timeframe and that are mapped tothe first Uber financial transaction category.

As seen in FIG. 1, in one embodiment, provider computing system 103includes a first Uber financial transaction category first category timeperiod cumulative amount calculation module 121 for calculating a firstUber financial transaction category first category time periodcumulative amount by determining the total cumulative amount of the oneor more financial transactions of financial transaction data 115associated with a user mapped to the first Uber financial transactioncategory that were conducted during the one or more first category timeperiods of the comparison timeframe.

As seen in FIG. 1, in one embodiment, provider computing system 103includes an average first Uber financial transaction category firstcategory time period amount calculation module 122 for calculating anaverage first Uber financial transaction category first category timeperiod amount by dividing the first Uber financial transaction categoryfirst category time period cumulative amount by the comparison timeframefirst category time period number.

As seen in FIG. 1, in one embodiment, provider computing system 103includes first Uber financial transaction category second category timeperiod cumulative amount calculation module 123 for calculating a firstUber financial transaction category second category time periodcumulative amount by determining the total cumulative amount of the oneor more financial transactions of financial transaction data 115associated with a user mapped to the first Uber financial transactioncategory that were conducted during the one or more second category timeperiods of the comparison timeframe.

As seen in FIG. 1, in one embodiment, provider computing system 103includes an average first Uber financial transaction category secondcategory time period amount calculation module 124 for calculating anaverage first Uber financial transaction category second category timeperiod amount by dividing the first Uber financial transaction categorysecond category time period cumulative amount by the comparisontimeframe second category time period number.

As seen in FIG. 1, in one embodiment, provider computing system 103includes a time period determination module 125 for determining whethera current time is in the first category time period or the secondcategory time period for the user.

As seen in FIG. 1, in one embodiment, provider computing system 103includes a spending analysis display generation module 127 forgenerating spending analysis display data 129. As seen in FIG. 1, in oneembodiment, provider computing system 103 includes spending analysisdisplay transmission module 133 used to transmit spending analysisdisplay data 129 to user computing system 143 in user computingenvironment 140.

As seen in FIG. 1, in one embodiment, spending analysis display data 129is used to generate spending analysis display 147 on display screen 145of user computing system 143.

In one embodiment, spending analysis display 147 includes first Uberfinancial transaction category analysis display region 151 that includesa first Uber financial transaction category analysis number 153calculated based on the calculated average first Uber financialtransaction category first category time period amount if the currenttime is determined to be in the first category time period or a firstUber financial transaction category analysis number 153 calculated basedon the calculated average first Uber financial transaction categorysecond category time period amount if the current time is determined tobe in the second category time period.

The various embodiments of the disclosure can be implemented to improvethe technical fields of user experience, automated financial management,data collection, and data processing. Therefore, the various describedembodiments of the disclosure and their associated benefits amount tosignificantly more than an abstract idea.

Using the system for providing a spending analysis display dynamicallyadapted to defined categories of day and/or date discussed herein, asolution to the long standing problem of failure to take into accountperiodically repeating variations in user spending, and in particular,variations in user spending that naturally occur over the course of aday, a week, a month, a quarter, a year, or any defined period of timebased on the hours and days of the week the user works, seasonalemployment and spending, and/or other particulars of an individualuser's life and career, that can cause periodically repeating variationsin user spending is provided.

The system for providing a spending analysis display dynamically adaptedto defined categories of day and/or date solves the problem by providingusers an intuitive and interactive spending analysis display that isdynamically adapted to the display day and/or date and that allows usersto intuitively and easily see their discretionary and non-discretionaryspending, to categorize undetermined financial transactions in arelevant and engaging way, and provide simple, user friendly, intuitive,and interactive spending analysis/tracking that is dynamicallyadjusted/adapted to reflect periodically repeating variations in userspending.

Therefore, the system for providing a spending analysis displaydynamically adapted to defined categories of day and/or date discussedherein significantly improves the technical fields of dataentry/selection and user experience. Therefore, implementations ofembodiments of the present disclosure represent a significantimprovement to the field of user experience and, in particular,efficient use of human and non-human resources.

In addition, by eliminating the necessity of performing unnecessaryanalysis and displaying detailed, and often undesired, reports and data,there is less data entry, less processing of data, and fewer errors inentered data. Consequently, using the system for providing a spendinganalysis display dynamically adapted to defined categories of day and/ordate discussed herein, fewer processor cycles are utilized, memoryutilization is reduced, and less communications bandwidth is utilized torelay data to and from backend systems. As a result, computing systems,and particularly mobile computing systems, are transformed into faster,more efficient, and more effective computing systems by implementing thesystem for providing a spending analysis display dynamically adapted todefined categories of day and/or date discussed herein.

The various embodiments of the disclosure and their associated benefitsalso improve the technical field of financial management by providingusers with a relevant and simple spending and financial display whilerequiring minimal user input. In addition, embodiments of the presentdisclosure allow the financial management system to offer a morerelevant analysis of a user's financial situation. Further, theincreased relevancy of the data provided using embodiments of thepresent disclosure increase the chances that a user will continue usingthe financial management system.

As a result, using implementations of embodiments of the presentdisclosure, the fields of financial management, financial dataprocessing, data entry, data display, data processing, and userexperience are significantly improved.

Process

In accordance with one embodiment, a process for providing a spendinganalysis display dynamically adapted to defined categories of day and/ordate includes defining one or more first category time periods and oneor more second category time periods, distinct from the first categorytime periods. In one embodiment, a comparison timeframe is defined. Inone embodiment, the comparison timeframe includes one or more firstcategory time periods and/or one or more second category time periods.

In one embodiment, a comparison timeframe first category time periodnumber is calculated. In one embodiment, the comparison timeframe firstcategory time period number is calculated by determining the number offirst category time periods that occurred in the defined comparisontimeframe. In one embodiment, a comparison timeframe second categorytime period number is calculated. In one embodiment, the comparisontimeframe second category time period number is calculated bydetermining the number of second category time periods that occurred inthe defined comparison timeframe.

In one embodiment, a first Uber financial transaction category isdefined. In one embodiment, financial transaction data representing oneor more financial transactions associated with a user conducted duringthe comparison timeframe is obtained. In one embodiment, analysis isperformed on the financial transaction data to identify one or morefinancial transactions associated with a user conducted during the oneor more first category time periods that occurred in the definedcomparison timeframe and that are mapped to the first Uber financialtransaction category. Likewise, In one embodiment, analysis is performedon the financial transaction data to identify one or more financialtransactions associated with the user conducted during the one or moresecond category time periods that occurred in the defined comparisontimeframe and that are mapped to the first Uber financial transactioncategory.

In one embodiment, a first Uber financial transaction category firstcategory time period cumulative amount is calculated by determining thetotal cumulative amount of the one or more financial transactionsassociated with a user mapped to the first Uber financial transactioncategory that were conducted during the one or more first category timeperiods of the comparison timeframe and a first Uber financialtransaction category second category time period cumulative amount iscalculated by determining the total cumulative amount of the one or morefinancial transactions associated with a user mapped to the first Uberfinancial transaction category that were conducted during the one ormore second category time periods of the comparison timeframe.

In one embodiment, an average first Uber financial transaction categoryfirst category time period amount is calculated by dividing the firstUber financial transaction category first category time periodcumulative amount by the comparison timeframe first category time periodnumber and an average first Uber financial transaction category secondcategory time period amount is calculated by dividing the first Uberfinancial transaction category second category time period cumulativeamount by the comparison timeframe second category time period number.

In one embodiment a determination is made as to whether a current timeis in the first category time period or the second category time periodfor the user. In one embodiment, a spending analysis display is thengenerated including a first Uber financial transaction category analysisdisplay region.

In one embodiment, if the current time is determined to be in the firstcategory time period for the user, the first Uber financial transactioncategory analysis display region includes a first Uber financialtransaction category analysis number calculated based on the calculatedaverage first Uber financial transaction category first category timeperiod amount.

In one embodiment, if the current time is determined to be in the secondcategory time period for the user, the first Uber financial transactioncategory analysis display region includes a first Uber financialtransaction category analysis number calculated based on the calculatedaverage first Uber financial transaction category second category timeperiod amount.

In one embodiment, the spending analysis display is then made accessibleto the user via a display screen of a user computing system.

FIG. 2 is a flow chart representing one example of a process 200 forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date in accordance with one embodiment.

As seen in FIG. 2, process 200 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date begins atENTER OPERATION 201 and process flow proceeds to DEFINE ONE OR MOREFIRST CATEGORY TIME PERIODS OPERATION 203.

In one embodiment, at DEFINE ONE OR MORE FIRST CATEGORY TIME PERIODSOPERATION 203 one or more first category time periods are defined.

In various embodiments, the one or more first category time periods ofDEFINE ONE OR MORE FIRST CATEGORY TIME PERIODS OPERATION 203 representtime periods of a first type for the user, such as, but not limited to,time periods when the user is working, awake, traveling, or any othertime periods distinguished from other time periods, such as the one ormore second category time periods of DEFINE ONE OR MORE SECOND CATEGORYTIME PERIODS OPERATION 205 discussed below, by a particular event oractivity the given user engages in during the one or more first categorytime periods. In various embodiments, the one or more first categorytime periods are defined at DEFINE ONE OR MORE FIRST CATEGORY TIMEPERIODS OPERATION 203 by the particular user; and/or process 200 forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date; and/or the provider of process 200 forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date; and/or any other party.

In various embodiments, the one or more first category time periods ofDEFINE ONE OR MORE FIRST CATEGORY TIME PERIODS OPERATION 203 can be, butare not limited to, specified hours of the day; specified hours of aspecified day; a specified day; specified days of the week; specifieddays of a specified week; specified days of one or more specified weeks;specified days of a month; specified days of a specified month;specified weeks of a month; specified days of one or more specifiedmonths; specified weeks of one or more specified months; a specifiedmonth; one or more specified months; a specified month of a specifiedyear; one or more specified months of a specified year; a specifiedmonth of one or more specified years; one or more specified months ofone or more specified years; a specified year; one or more specifiedyears; and/or any other time period or timeframe discussed herein,and/or as known in the art at the time of filing, and/or asdeveloped/determined after the time of filing.

As one non-limiting specific illustrative example of one embodiment,work days, working hours, or weekdays, are defined as first categorytime periods at DEFINE ONE OR MORE FIRST CATEGORY TIME PERIODS OPERATION203, for instance see DEFINE WEEKDAYS AS FIRST CATEGORY TIME PERIODSOPERATION 303 of FIG. 3.

Returning to FIG. 2, in one embodiment, once the one or more firstcategory time periods are defined, first category time period data isgenerated at DEFINE ONE OR MORE FIRST CATEGORY TIME PERIODS OPERATION203 representing the defined one or more first category time periods.

In one embodiment, once one or more first category time periods aredefined at DEFINE ONE OR MORE FIRST CATEGORY TIME PERIODS OPERATION 203,process flow proceeds to DEFINE ONE OR MORE SECOND CATEGORY TIME PERIODSOPERATION 205.

In one embodiment, at DEFINE ONE OR MORE SECOND CATEGORY TIME PERIODSOPERATION 205 one or more second category time periods, distinct fromthe first category time periods, are defined.

In various embodiments, the one or more second category time periods ofDEFINE ONE OR MORE SECOND CATEGORY TIME PERIODS OPERATION 205 representtime periods of a second type for the user, that are distinct from theone or more first category time periods of DEFINE ONE OR MORE FIRSTCATEGORY TIME PERIODS OPERATION 203, such as, but not limited to, timeperiods when the user is not working, asleep, at home, or any other timeperiods distinguished from the one or more first category time periodsby a particular event or activity the given user engages in during theone or more second category time periods. In various embodiments, theone or more second category time periods are defined at DEFINE ONE ORMORE SECOND CATEGORY TIME PERIODS OPERATION 205 by the particular user;and/or process 200 for providing a spending analysis display dynamicallyadapted to defined categories of day and/or date; and/or the provider ofprocess 200 for providing a spending analysis display dynamicallyadapted to defined categories of day and/or date; and/or any otherparty.

In various embodiments, the one or more second category time periods ofDEFINE ONE OR MORE SECOND CATEGORY TIME PERIODS OPERATION 205 can be,but are not limited to, specified hours of the day; specified hours of aspecified day; a specified day; specified days of the week; specifieddays of a specified week; specified days of one or more specified weeks;specified days of a month; specified days of a specified month;specified weeks of a month; specified days of one or more specifiedmonths; specified weeks of one or more specified months; a specifiedmonth; one or more specified months; a specified month of a specifiedyear; one or more specified months of a specified year; a specifiedmonth of one or more specified years; one or more specified months ofone or more specified years; a specified year; one or more specifiedyears; and/or any other time period or timeframe discussed herein,and/or as known in the art at the time of filing, and/or asdeveloped/determined after the time of filing.

As one non-limiting specific illustrative example of one embodiment,non-work days, non-work hours, or weekend days, are defined as secondcategory time periods. For instance, see DEFINE WEEKEND DAYS AS SECONDCATEGORY TIME PERIODS OPERATION 305 of FIG. 3.

Returning to FIG. 2, in one embodiment, once the one or more secondcategory time periods are defined, second category time period data isgenerated at DEFINE ONE OR MORE SECOND CATEGORY TIME PERIODS OPERATION205 representing the defined one or more second category time periods.

In one embodiment, one or more second category time periods, distinctfrom the first category time periods, are defined at DEFINE ONE OR MORESECOND CATEGORY TIME PERIODS OPERATION 205, process flow proceeds toDEFINE A COMPARISON TIMEFRAME OPERATION 207.

In one embodiment, at DEFINE A COMPARISON TIMEFRAME OPERATION 207 acomparison timeframe is defined.

In one embodiment, the comparison timeframe of DEFINE A COMPARISONTIMEFRAME OPERATION 207 includes one or more first category time periodsof DEFINE ONE OR MORE FIRST CATEGORY TIME PERIODS OPERATION 203, and/orone or more second category time periods of DEFINE ONE OR MORE SECONDCATEGORY TIME PERIODS OPERATION 205.

In various embodiments, the comparison timeframe of DEFINE A COMPARISONTIMEFRAME OPERATION 207 is the timeframe that is to be used to calculatevarious intermediate values and quantities and then eventually determinespending analysis numbers presented to the user in one or more spendinganalysis displays. As discussed below, only financial transaction datarepresenting financial transactions conducted during the definedcomparison timeframe is used to calculate various intermediate valuesand quantities and then eventually determine spending analysis numberspresented to the user in one or more spending analysis displays.

In various embodiments, the comparison timeframe of DEFINE A COMPARISONTIMEFRAME OPERATION 207 is defined by the particular user; and/orprocess 200 for providing a spending analysis display dynamicallyadapted to defined categories of day and/or date; and/or the provider ofprocess 200 for providing a spending analysis display dynamicallyadapted to defined categories of day and/or date; and/or any otherparty.

In various embodiments, the comparison timeframe of DEFINE A COMPARISONTIMEFRAME OPERATION 207 can be, but is not limited to, specified hoursof the day; specified hours of a specified day; a specified day;specified days of the week; specified days of a specified week;specified days of one or more specified weeks; specified days of amonth; specified days of a specified month; specified weeks of a month;specified days of one or more specified months; specified weeks of oneor more specified months; a specified month; one or more specifiedmonths; a specified month of a specified year; one or more specifiedmonths of a specified year; a specified month of one or more specifiedyears; one or more specified months of one or more specified years; aspecified year; one or more specified years; and/or any other timeperiod or timeframe discussed herein, and/or as known in the art at thetime of filing, and/or as developed/determined after the time of filing.

In one embodiment, the comparison timeframe is selected at DEFINE ACOMPARISON TIMEFRAME OPERATION 207 so that the comparison timeframe is ashifting timeframe window such that the comparison timeframe is adaptedeach day, or new first or second category time period, to reflect thenew and updated comparison timeframe. In this way, the comparisontimeframe of DEFINE A COMPARISON TIMEFRAME OPERATION 207 is continuouslyevolving/shifting to represent the latest data and to determine spendinganalysis numbers presented to the user in one or more spending analysisdisplays on a dynamically evolving/shifting basis.

Continuing with the specific illustrative example set forth above, theprevious 30 days is defined as the comparison timeframe. In oneembodiment, the previous 30 days is selected so that the comparisontimeframe is de facto a shifting timeframe window so that each day theprevious 30 days is redefined and the spending analysis numberspresented to the user in one or more spending analysis displays arecalculated on a dynamically evolving/shifting basis. For instance, ifthe comparison timeframe is defined as the previous 30 days starting onthe 10^(th) of May, then on the 10^(th) of May the comparison timeframeis April 10th thru May 10th. However, on May 11th, the comparisontimeframe is shifted to April 11th thru May 11th.

In one embodiment, once the comparison timeframe is defined, comparisontimeframe data is generated at DEFINE A COMPARISON TIMEFRAME OPERATION207 representing the defined comparison timeframe.

In one embodiment, once a comparison timeframe is defined at DEFINE ACOMPARISON TIMEFRAME OPERATION 207, process flow proceeds to CALCULATE ACOMPARISON TIMEFRAME FIRST CATEGORY TIME PERIOD NUMBER OPERATION 209.

In one embodiment, at CALCULATE A COMPARISON TIMEFRAME FIRST CATEGORYTIME PERIOD NUMBER OPERATION 209 a comparison timeframe first categorytime period number is calculated.

In one embodiment, the comparison timeframe first category time periodnumber of CALCULATE A COMPARISON TIMEFRAME FIRST CATEGORY TIME PERIODNUMBER OPERATION 209 is calculated by determining the number of firstcategory time periods of DEFINE ONE OR MORE FIRST CATEGORY TIME PERIODSOPERATION 203 that occurred in the defined comparison timeframe ofDEFINE A COMPARISON TIMEFRAME OPERATION 207.

Continuing with the specific illustrative example set forth above, inone embodiment, the comparison timeframe first category time periodnumber is calculated by determining the number of work days, orweekdays, in the previous 30 days. For this specific example, assumethere were 20 work days/weekdays in the past 30 days.

In one embodiment, once a comparison timeframe first category timeperiod number is calculated at CALCULATE A COMPARISON TIMEFRAME FIRSTCATEGORY TIME PERIOD NUMBER OPERATION 209, process flow proceeds toCALCULATE A COMPARISON TIMEFRAME SECOND CATEGORY TIME PERIOD NUMBEROPERATION 211.

In one embodiment, at CALCULATE A COMPARISON TIMEFRAME SECOND CATEGORYTIME PERIOD NUMBER OPERATION 211 a comparison timeframe second categorytime period number is calculated.

In one embodiment, the comparison timeframe second category time periodnumber is calculated at CALCULATE A COMPARISON TIMEFRAME SECOND CATEGORYTIME PERIOD NUMBER OPERATION 211 by determining the number of secondcategory time periods of DEFINE ONE OR MORE SECOND CATEGORY TIME PERIODSOPERATION 205 that occurred in the defined comparison timeframe ofDEFINE A COMPARISON TIMEFRAME OPERATION 207.

Continuing with the specific illustrative example set forth above, inone embodiment, the comparison timeframe second category time periodnumber is calculated by determining the number of non-work days, orweekend days, in the previous 30 days. For this specific example, assumethere were 10 non-work/weekend days in the past 30 days.

In one embodiment, once the comparison timeframe second category timeperiod number is calculated, comparison timeframe second category timeperiod number data is generated at CALCULATE A COMPARISON TIMEFRAMESECOND CATEGORY TIME PERIOD NUMBER OPERATION 211 representing thecalculated comparison timeframe second category time period number.

In one embodiment, once a comparison timeframe second category timeperiod number is calculated at CALCULATE A COMPARISON TIMEFRAME SECONDCATEGORY TIME PERIOD NUMBER OPERATION 211, process flow proceeds toDEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213.

In one embodiment, at DEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORYOPERATION 213 a first Uber financial transaction category is defined.

In various embodiments, financial transaction categories are definedthat represent manually or automatically applied financial transactioncategories used to categorize and process various financial transactionsassociated with the user. In various embodiments, the financialtransaction categories are defined by the provider of the method andsystem for providing a spending analysis display dynamically adapted todefined categories of day and/or date. In other embodiments, thefinancial transaction categories are defined by one or more financialmanagement systems such as, but not limited to, any of the financialmanagement systems as discussed herein, and/or as known in the art atthe time of filing, and/or as developed after the time of filing.

Herein, a financial management system can be, but is not limited to, anydata management system that gathers financial data, including financialtransactional data, from one or more sources, such as financial accountsand financial institutions, and/or has the capability to analyze andcategorize at least part of the financial data.

As discussed above, current financial management systems are typicallysoftware applications and/or web-based services, which, along with aparent computing system, server system, or device, helpindividuals/users manage their finances by providing a centralizedinterface with banks, credit card companies, asset account providers,mortgage companies, retirement account providers, and other variousfinancial and asset management institutions and/or accounts, foridentifying, processing, storing, and categorizing user financialtransactions. Currently, financial management systems typically obtainfinancial transaction data, such as payee identification, paymentamount, date of the transaction, time of transaction, etc., viacommunication with banks, credit card providers, or other financialinstitutions, using data entry, and/or links to databases, and/or screenscraping technology, and/or electronic data transfer systems, such asthe Open Financial Exchange (OFX) specification, and/or various othersystems for obtaining and transferring financial transaction data.

Using some financial management systems, the financial transaction data,payee identification, payment amount, date of the transaction, variousdescriptions, tags and/or labels, and/or other identifying data is usedby the financial management system to identify, categorize, and/or tagindividual financial transactions as a particular type of income orexpense, to generate various financial reports, and to create anoverview of the user's financial situation based on input from multiple,and preferably all, available sources of financial information/dataregarding a user. To this end, many financial management systems definetheir own financial transaction categories.

In some embodiments, the financial transaction categories are defined byoutside agencies such as, but not limited to, the Internal RevenueService (IRS) or other state and local tax agencies.

In various embodiments, the financial transaction categories definedinclude, but are not limited to, one or more the following:entertainment categories, such as arts, amusement, music, movies andDVDs, newspaper and magazines, etc.; shopping categories, such asclothing, books, electronics and software, hobbies, sporting goods,etc.; personal care categories, such as hair, spa and massage, etc.;health and fitness categories, such as gym, sports, etc.; kidscategories, such as toys, kid activities, allowance, etc.; food anddining categories, such as coffee, fast food, restaurants, alcohol,etc.; gift and donation categories, such as, gifts, charity, etc.; petand pet care categories, such as, pet grooming, etc.; financialtransaction categories, such as, life insurance, financial advisor fees,accountant fees, etc.; home categories, such as, furnishings, lawn andgarden, home improvement, television, cable, home phone, Internet,mobile phone, etc.; travel categories, such as, air travel, hotelexpenses, rental car and taxi expenses, vacation, etc.;uncategorized/undetermined transactions such as, cash ATM transactions,check transactions, transfer transactions, credit card payments, etc.;investment categories, such as, deposits, withdrawals, dividends andcapital, buy, sell, etc.; and/or any other financial transactioncategories defined and/or discussed herein, and/or as known in the artat the time of filing, and/or as developed after the time of filing.

In one embodiment, at least one Uber financial transaction category, afirst Uber financial transaction category, is defined at DEFINE A FIRSTUBER FINANCIAL TRANSACTION CATEGORY OPERATION 213. In variousembodiments, the Uber financial transaction categories are broadfinancial transaction categories that include, or encompass, one or moreof the financial transaction categories discussed above.

In one embodiment, the Uber financial transaction categories are definedin pairs of Uber financial transaction categories that arerepresentative of a broad categorization of various subsets of financialtransaction categories.

For instance, in one specific example, the pair of Uber financialtransaction categories is a “wants” Uber financial transaction categoryrepresenting discretionary spending financial transactions and a “needs”Uber financial transaction category representing non-discretionaryfinancial transactions. In this specific illustrative example, the Uberfinancial transaction categories are used to distinguish betweenfinancial transactions, and associated financial transaction categories,over which the user has control, i.e., that are associated with spendingthat is not required, but rather represents desired spending on a“wanted” item or service, as opposed to financial transactions, andassociated financial transaction categories, over which the user has nocontrol, i.e., that are associated with spending that is required and isnot optional, such as utilities, rent, mortgage, etc.

In various embodiments, the first Uber financial transaction category ofDEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213 can beeither the “wants” Uber financial transaction category or the “needs”Uber financial transaction category.

As noted above, one long standing problem associated with traditionalfinancial management systems displays is the inability to present userstheir financial information in an efficient, relevant, intuitive,interactive, and dynamic way that is of practical use. However, bydividing the user's spending transactions between relatively few, in oneembodiment only one, Uber financial transaction categories, the user isprovided a straightforward display illustrating, in this specificillustrative example, how much the user is spending on items andservices that are needed, and therefore not discretionary, versus howmuch the user is spending on items and services that are not needed, butwhich are desired.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “good” and “bad” spending Uberfinancial transaction category pair through which the users financialtransactions are divided between financial transactions representinggood spending habits and financial transactions representing badspending habits.

In various embodiments, the first Uber financial transaction category ofDEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213 can beeither the “good” spending Uber financial transaction category or the“bad” spending Uber financial transaction category.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “discretionary” and“non-discretionary” Uber financial transaction category pair. This Uberfinancial transaction category pair is very similar to the wants andneeds pair discussed above.

In various embodiments, the first Uber financial transaction category ofDEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213 can beeither the “discretionary” Uber financial transaction category or the“non-discretionary” Uber financial transaction category.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “worth it” and “not worth it” Uberfinancial transaction category pair. This Uber financial transactioncategory pair is used to divide financial transactions into those thatare deemed worth the expenditure and those that are deemed not worth theexpenditure. This Uber financial transaction category pairing allows auser to examine, and presumably learn from, previous spending habits.

In various embodiments, the first Uber financial transaction category ofDEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213 can beeither the “worth it” Uber financial transaction category or the “notworth it” Uber financial transaction category.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “would repeat” and “would not repeat”Uber financial transaction category pair. This Uber financialtransaction category pair is similar to the “worth it” and “not worthit” financial transaction category pair discussed above.

In various embodiments, the first Uber financial transaction category ofDEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213 can beeither the “would repeat” Uber financial transaction category or the“would not repeat” Uber financial transaction category.

Other examples of pairs of Uber financial transaction categories includeany Uber financial transaction categories as discussed herein, and/or asknown in the art at the time of filing, and/or as developed after thetime of filing. In various embodiments, the first Uber financialtransaction category of DEFINE A FIRST UBER FINANCIAL TRANSACTIONCATEGORY OPERATION 213 can be any Uber financial transaction category asdiscussed herein, and/or as known in the art at the time of filing,and/or as developed after the time of filing.

In one embodiment, once the first Uber financial transaction category isdefined, first Uber financial transaction category data representing thedefined first Uber financial transaction category is generated at DEFINEA FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213.

In one embodiment, once the first Uber financial transaction category isdefined and first Uber financial transaction category data is generatedat DEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 213, asubset of the financial transaction categories is mapped to the firstUber financial transaction category.

This mapping of the one or more financial transaction categories to thefirst Uber financial transaction category represents the fact that somedefined financial transaction categories, such as, for instance, thefinancial transaction categories of rent, utilities, car repair,insurance payments, etc. are almost always identifiable as, for example,needs-based, or non-discretionary, financial transactions, and thereforeshould always be mapped to the needs/non-discretionary Uber financialtransaction category and never mapped to the wants/discretionary Uberfinancial transaction category. In contrast, some defined financialtransaction categories, such as entertainment, pet grooming, vacation,etc., are almost always wants-based financial transactions, andtherefore should always be mapped to the wants Uber financialtransaction category and never to the needs/non-discretionary Uberfinancial transaction category.

However, some financial transaction categories, and associated financialtransactions, are either uncategorized or are categorized in financialtransaction categories which are not clearly mapped to any Uberfinancial transaction categories. For instance, the financialtransaction categories shopping, clothing, personal care, hair, kids,kids' activities, allowance, food and dining, pets, home, homefurnishings, ATM transactions, check transactions, withdraw transaction,etc., are mapped to either the needs/non-discretionary Uber financialtransaction category, or the wants/discretionary Uber financialtransaction category, depending on the specific financial transaction.As an illustrative example, a given financial transaction categorized asclothing could either be a purchase of business attire necessary to keepone's job, in which case it would clearly be mapped to theneeds/non-discretionary Uber financial transaction category, or it couldrepresent a purchase of a new party dress or hobby related clothingwhich would most likely be mapped to the wants/discretionary Uberfinancial transaction category.

Consequently, in one embodiment, those financial transaction categories,and associated financial transactions, that are clearly, or most likely,related to purchases associated with the first Uber financialtransaction category are automatically mapped to the first Uberfinancial transaction category and those financial transactioncategories, and associated financial transactions, that are clearly, ormost likely, related to purchases associated another Uber financialtransaction category are not automatically mapped to the first Uberfinancial transaction category. In addition, those financialtransactions that are either not categorized, or are categorized usingfinancial transaction categories that are not clearly associated withthe first Uber financial transaction category, or any Uber financialtransaction category, are designated uncategorized/undeterminedfinancial transactions and are therefore not mapped to the first Uberfinancial transaction category, but are instead accumulated in a set ofuncategorized/undetermined financial transaction data representing theuncategorized/undetermined financial transactions.

In some embodiments, the initial mapping of the financial transactioncategories to the first Uber financial transaction category is performedby the provider of process 200 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date. In someembodiments, the initial mapping of the financial transaction categoriesto the first Uber financial transaction category performed by theprovider of process 200 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date can then bemodified by the user, or as a result of feedback received during theoperation of process 200 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date.

In other embodiments, the mapping of the financial transactioncategories to the first Uber financial transaction category is performedby the user and this initial mapping can be modified by the user forvarious reasons. For instance, while financial transactions related topurchasing coffee might be initially mapped by either the user or theprovider of process 200 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date to thefirst Uber financial transaction category, in one embodiment, the usermay change this mapping to another Uber financial transaction category,or to the uncategorized/undetermined financial transaction category. Onereason a user might wish to change the mapping of a financialtransaction category to the uncategorized/undetermined financialtransaction category would be to force the user to visualize andinteract with a specific category of financial transactions, asdiscussed below.

Continuing with the specific illustrative example set forth above, inone embodiment, discretionary spending is defined as the first Uberfinancial transaction category. For instance, see DEFINE A DISCRETIONARYSPENDING FINANCIAL TRANSACTION CATEGORY OPERATION 313 of FIG. 3.

Returning to FIG. 2, once a first Uber financial transaction category isdefined at DEFINE A FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION213 process flow proceeds to OBTAIN FINANCIAL TRANSACTION DATAREPRESENTING ONE OR MORE FINANCIAL TRANSACTIONS ASSOCIATED WITH A USERCONDUCTED DURING THE COMPARISON TIMEFRAME OPERATION 215.

In one embodiment, at OBTAIN FINANCIAL TRANSACTION DATA REPRESENTING ONEOR MORE FINANCIAL TRANSACTIONS ASSOCIATED WITH A USER CONDUCTED DURINGTHE COMPARISON TIMEFRAME OPERATION 215 financial transaction datarepresenting one or more financial transactions associated with the userconducted during the comparison timeframe of DEFINE A COMPARISONTIMEFRAME OPERATION 207 is obtained.

In one embodiment, the financial transaction data is obtained at OBTAINFINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS ASSOCIATED WITH A USER CONDUCTED DURING THE COMPARISONTIMEFRAME OPERATION 215 from one or more financial management systems,such as any of the financial management systems discussed herein, and/oras known in the art at the time of filing, and/or as developed after thetime of filing, and/or by any means as discussed herein, and/or as knownin the art at the time of filing, and/or as becomes known after the timeof filing.

In one embodiment, the financial transaction data of OBTAIN FINANCIALTRANSACTION DATA REPRESENTING ONE OR MORE FINANCIAL TRANSACTIONSASSOCIATED WITH A USER CONDUCTED DURING THE COMPARISON TIMEFRAMEOPERATION 215 is financial transaction data from the defined comparisontimeframe including any of the defined comparison timeframes discussedabove with respect to DEFINE A COMPARISON TIMEFRAME OPERATION 207.

Continuing with the specific illustrative example set forth above, inone embodiment, financial transaction data representing one or morefinancial transactions associated with a user conducted during theprevious 30 days is obtained, in one example, from a financialtransaction management system.

In one embodiment, once financial transaction data representing one ormore financial transactions associated with a user conducted during thecomparison timeframe is obtained at OBTAIN FINANCIAL TRANSACTION DATAREPRESENTING ONE OR MORE FINANCIAL TRANSACTIONS ASSOCIATED WITH A USERCONDUCTED DURING THE COMPARISON TIMEFRAME OPERATION 215, process flowproceeds to IDENTIFY ONE OR MORE FINANCIAL TRANSACTIONS ASSOCIATED WITHA USER CONDUCTED DURING THE ONE OR MORE FIRST CATEGORY TIME PERIODS THATOCCURRED IN THE DEFINED COMPARISON TIMEFRAME AND THAT ARE MAPPED TO THEFIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 217.

In one embodiment, at IDENTIFY ONE OR MORE FINANCIAL TRANSACTIONSASSOCIATED WITH A USER CONDUCTED DURING THE ONE OR MORE FIRST CATEGORYTIME PERIODS THAT OCCURRED IN THE DEFINED COMPARISON TIMEFRAME AND THATARE MAPPED TO THE FIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION217 analysis is performed on the financial transaction data of OBTAINFINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS ASSOCIATED WITH A USER CONDUCTED DURING THE COMPARISONTIMEFRAME OPERATION 215 to identify one or more financial transactionsassociated with a user conducted during the one or more first categorytime periods of DEFINE ONE OR MORE FIRST CATEGORY TIME PERIODS OPERATION203 that occurred in the defined comparison timeframe of DEFINE ACOMPARISON TIMEFRAME OPERATION 207 and that are mapped to the first Uberfinancial transaction category of DEFINE A FIRST UBER FINANCIALTRANSACTION CATEGORY OPERATION 213.

In one embodiment, once the financial transaction data is obtained, asmany of the financial transactions represented in the financialtransaction data are categorized in the financial transaction categoriesas is possible.

In one embodiment, as many of the categorized financial transactions,and as much categorized financial transaction data, as possible ismapped to the first Uber financial transaction category using thefinancial transaction category to Uber financial transaction categorymapping discussed above.

In one embodiment, as a result of the categorization and mapping of thefinancial transactions represented in the financial transaction data,each of the financial transactions represented in the financialtransaction data is assigned to one of three general categories; thefirst Uber financial transaction category, any Uber financialtransaction category other than the first Uber financial transactioncategory, or the uncategorized/undetermined financial transactioncategory.

In one embodiment, all of the financial transactions represented in thefinancial transaction data mapped to the first Uber financialtransaction category are also analyzed to identify financialtransactions represented in the financial transaction data mapped to thefirst Uber financial transaction category and conducted during the oneor more first category time periods.

Continuing with the specific illustrative example set forth above, inone embodiment, the financial transaction data representing one or morefinancial transactions associated with a user conducted during theprevious 30 days is analyzed to identify discretionary spending relatedfinancial transactions associated with a user conducted during theprevious 30 days on work days/weekdays.

In one embodiment, once analysis is performed on the financialtransaction data to identify one or more financial transactionsassociated with a user conducted during the one or more first categorytime periods that occurred in the defined comparison timeframe and thatare mapped to the first Uber financial transaction category at IDENTIFYONE OR MORE FINANCIAL TRANSACTIONS ASSOCIATED WITH A USER CONDUCTEDDURING THE ONE OR MORE FIRST CATEGORY TIME PERIODS THAT OCCURRED IN THEDEFINED COMPARISON TIMEFRAME AND THAT ARE MAPPED TO THE FIRST UBERFINANCIAL TRANSACTION CATEGORY OPERATION 217, process flow proceeds toIDENTIFY ONE OR MORE FINANCIAL TRANSACTIONS ASSOCIATED WITH THE USERCONDUCTED DURING THE ONE OR MORE SECOND CATEGORY TIME PERIODS THATOCCURRED IN THE DEFINED COMPARISON TIMEFRAME AND THAT ARE MAPPED TO THEFIRST UBER FINANCIAL TRANSACTION CATEGORY OPERATION 219.

In one embodiment, at IDENTIFY ONE OR MORE FINANCIAL TRANSACTIONSASSOCIATED WITH THE USER CONDUCTED DURING THE ONE OR MORE SECONDCATEGORY TIME PERIODS THAT OCCURRED IN THE DEFINED COMPARISON TIMEFRAMEAND THAT ARE MAPPED TO THE FIRST UBER FINANCIAL TRANSACTION CATEGORYOPERATION 219 all of the financial transactions represented in thefinancial transaction data of OBTAIN FINANCIAL TRANSACTION DATAREPRESENTING ONE OR MORE FINANCIAL TRANSACTIONS ASSOCIATED WITH A USERCONDUCTED DURING THE COMPARISON TIMEFRAME OPERATION 215 mapped to thefirst Uber financial transaction category of DEFINE A FIRST UBERFINANCIAL TRANSACTION CATEGORY OPERATION 213 are also analyzed toidentify financial transactions represented in the financial transactiondata mapped to the first Uber financial transaction category andconducted during the one or more second category time periods of DEFINEONE OR MORE SECOND CATEGORY TIME PERIODS OPERATION 205.

Continuing with the specific illustrative example set forth above, inone embodiment, the financial transaction data representing one or morefinancial transactions associated with a user conducted during theprevious 30 days is analyzed to identify discretionary spending relatedfinancial transactions associated with a user conducted during theprevious 30 days on non-work days/weekend days.

In one embodiment, once all of the financial transactions represented inthe financial transaction data mapped to the first Uber financialtransaction category are also analyzed to identify financialtransactions represented in the financial transaction data mapped to thefirst Uber financial transaction category and conducted during the oneor more second category time periods at IDENTIFY ONE OR MORE FINANCIALTRANSACTIONS ASSOCIATED WITH THE USER CONDUCTED DURING THE ONE OR MORESECOND CATEGORY TIME PERIODS THAT OCCURRED IN THE DEFINED COMPARISONTIMEFRAME AND THAT ARE MAPPED TO THE FIRST UBER FINANCIAL TRANSACTIONCATEGORY OPERATION 219, process flow proceeds to CALCULATE A FIRST UBERFINANCIAL TRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD CUMULATIVEAMOUNT OPERATION 221.

In one embodiment, at CALCULATE A FIRST UBER FINANCIAL TRANSACTIONCATEGORY FIRST CATEGORY TIME PERIOD CUMULATIVE AMOUNT OPERATION 221 afirst Uber financial transaction category first category time periodcumulative amount representing the cumulative total of the amounts ofthe financial transactions represented in the financial transaction datamapped to the first Uber financial transaction category and conductedduring the one or more first category time periods of IDENTIFY ONE ORMORE FINANCIAL TRANSACTIONS ASSOCIATED WITH A USER CONDUCTED DURING THEONE OR MORE FIRST CATEGORY TIME PERIODS THAT OCCURRED IN THE DEFINEDCOMPARISON TIMEFRAME AND THAT ARE MAPPED TO THE FIRST UBER FINANCIALTRANSACTION CATEGORY OPERATION 217 is calculated.

Consequently, as a specific illustrative example, in one embodiment, atCALCULATE A FIRST UBER FINANCIAL TRANSACTION CATEGORY FIRST CATEGORYTIME PERIOD CUMULATIVE AMOUNT OPERATION 221 all of the financialtransactions represented in the financial transaction data mapped to thewants/discretionary Uber financial transaction category that wereconducted on work days/weekdays are accumulated and a cumulative totalof the amounts of the financial transactions mapped to thewants/discretionary financial transaction category conducted on workdays/weekdays is calculated to reveal the user's total spending for thecomparison timeframe in the wants/discretionary Uber financialtransaction category conducted on work days/weekdays.

Continuing with the specific illustrative example set forth above, firstUber financial transaction category first category time periodcumulative amount is calculated by adding total of the amounts of theidentified discretionary spending related financial transactionsassociated with a user conducted during the previous 30 days on workdays/weekdays. In this specific illustrative example, we stipulate thatthe first Uber financial transaction category first category time periodcumulative amount is calculated as $940.00.

In one embodiment, once a first Uber financial transaction categoryfirst category time period cumulative amount representing the cumulativetotal of the amounts of the financial transactions represented in thefinancial transaction data mapped to the first Uber financialtransaction category and conducted during the one or more first categorytime periods is calculated at CALCULATE A FIRST UBER FINANCIALTRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD CUMULATIVE AMOUNTOPERATION 221, process flow proceeds to CALCULATE A FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD CUMULATIVE AMOUNTOPERATION 223.

In one embodiment, at CALCULATE A FIRST UBER FINANCIAL TRANSACTIONCATEGORY SECOND CATEGORY TIME PERIOD CUMULATIVE AMOUNT OPERATION 223 asecond Uber financial transaction category second category time periodcumulative amount representing cumulative total of the amounts of thefinancial transactions represented in the financial transaction datamapped to the first Uber financial transaction category and conductedduring the one or more second category time periods of IDENTIFY ONE ORMORE FINANCIAL TRANSACTIONS ASSOCIATED WITH THE USER CONDUCTED DURINGTHE ONE OR MORE SECOND CATEGORY TIME PERIODS THAT OCCURRED IN THEDEFINED COMPARISON TIMEFRAME AND THAT ARE MAPPED TO THE FIRST UBERFINANCIAL TRANSACTION CATEGORY OPERATION 219 is calculated.

Consequently, as a specific illustrative example, in one embodiment, atCALCULATE A FIRST UBER FINANCIAL TRANSACTION CATEGORY SECOND CATEGORYTIME PERIOD CUMULATIVE AMOUNT OPERATION 223 all of the financialtransactions represented in the financial transaction data mapped to thewants/discretionary Uber financial transaction category that wereconducted on non-work days/weekend days are accumulated and a cumulativetotal of the amounts of the financial transactions mapped to thewants/discretionary financial transaction category conducted on non-workdays/weekend days is calculated to reveal the user's total spending forthe comparison timeframe in the wants/discretionary Uber financialtransaction category conducted on non-work days/weekend days.

Continuing with the specific illustrative example set forth above, afirst Uber financial transaction category second category time periodcumulative amount is calculated by adding total of the amounts of theidentified discretionary spending related financial transactionsassociated with a user conducted during the previous 30 days on non-workdays/weekend days. In this specific illustrative example, we stipulatethat the first Uber financial transaction category second category timeperiod cumulative amount is calculated as $910.00.

In one embodiment, once a second Uber financial transaction categorysecond category time period cumulative amount representing cumulativetotal of the amounts of the financial transactions represented in thefinancial transaction data mapped to the first Uber financialtransaction category and conducted during the one or more secondcategory time periods is calculated at CALCULATE A FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD CUMULATIVE AMOUNTOPERATION 223, process flow proceeds to CALCULATE AN AVERAGE FIRST UBERFINANCIAL TRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD AMOUNTOPERATION 225.

In one embodiment, at CALCULATE AN AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD AMOUNT OPERATION 225, anaverage first Uber financial transaction category first category timeperiod amount is calculated by dividing the first Uber financialtransaction category first category time period cumulative amount ofCALCULATE A FIRST UBER FINANCIAL TRANSACTION CATEGORY FIRST CATEGORYTIME PERIOD CUMULATIVE AMOUNT OPERATION 221 by the comparison timeframefirst category time period number of CALCULATE A COMPARISON TIMEFRAMEFIRST CATEGORY TIME PERIOD NUMBER OPERATION 209.

Continuing with the specific illustrative example set forth above, anaverage first Uber financial transaction category first category timeperiod amount is calculated by dividing the first Uber financialtransaction category first category time period cumulative amount of$940.00 by the comparison timeframe first category time period number of20 to yield an average first Uber financial transaction category firstcategory time period amount of $47.00.

In one embodiment, once an average first Uber financial transactioncategory first category time period amount is calculated by dividing thefirst Uber financial transaction category first category time periodcumulative amount by the comparison timeframe first category time periodnumber at CALCULATE AN AVERAGE FIRST UBER FINANCIAL TRANSACTION CATEGORYFIRST CATEGORY TIME PERIOD AMOUNT OPERATION 225, process flow proceedsto CALCULATE AN AVERAGE FIRST UBER FINANCIAL TRANSACTION CATEGORY SECONDCATEGORY TIME PERIOD AMOUNT OPERATION 227.

In one embodiment, at CALCULATE AN AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD AMOUNT OPERATION 227,an average first Uber financial transaction category second categorytime period amount is calculated by dividing the first Uber financialtransaction category second category time period cumulative amount ofCALCULATE A FIRST UBER FINANCIAL TRANSACTION CATEGORY SECOND CATEGORYTIME PERIOD CUMULATIVE AMOUNT OPERATION 223 by the comparison timeframesecond category time period number of CALCULATE A COMPARISON TIMEFRAMESECOND CATEGORY TIME PERIOD NUMBER OPERATION 211.

Continuing with the specific illustrative example set forth above, anaverage first Uber financial transaction category second category timeperiod amount is calculated by dividing the second Uber financialtransaction category first category time period cumulative amount of$910.00 by the comparison timeframe second category time period numberof 10 to yield an average first Uber financial transaction categorysecond category time period amount of $91.00.

In one embodiment, once an average first Uber financial transactioncategory second category time period amount is calculated by dividingthe first Uber financial transaction category second category timeperiod cumulative amount by the comparison timeframe second categorytime period number at CALCULATE AN AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD AMOUNT OPERATION 227,process flow proceeds to DETERMINE IF THE CURRENT TIME IS IN THE FIRSTCATEGORY TIME PERIOD OR THE SECOND CATEGORY TIME PERIOD FOR THE USEROPERATION 229.

In one embodiment, at DETERMINE IF THE CURRENT TIME IS IN THE FIRSTCATEGORY TIME PERIOD OR THE SECOND CATEGORY TIME PERIOD FOR THE USEROPERATION 229, a determination is made as to whether a current time isin the first category time period of DEFINE ONE OR MORE FIRST CATEGORYTIME PERIODS OPERATION 203 or the second category time period of DEFINEONE OR MORE SECOND CATEGORY TIME PERIODS OPERATION 205 for the user.

In one embodiment, at DETERMINE IF THE CURRENT TIME IS IN THE FIRSTCATEGORY TIME PERIOD OR THE SECOND CATEGORY TIME PERIOD FOR THE USEROPERATION 229 the determination as to whether a current time is in thefirst category time period or the second category time period is madebased on current time data received from a user computing systemassociated with the user, and/or GPS data provided by a user computingsystem associated with the user.

In one embodiment, the determination of DETERMINE IF THE CURRENT TIME ISIN THE FIRST CATEGORY TIME PERIOD OR THE SECOND CATEGORY TIME PERIOD FORTHE USER OPERATION 229 as to whether a current time is in the firstcategory time period or the second category time period is made based ondata provided by the user.

In various embodiments, the determination as to whether a current timeis in the first category time period or the second category time periodis made at DETERMINE IF THE CURRENT TIME IS IN THE FIRST CATEGORY TIMEPERIOD OR THE SECOND CATEGORY TIME PERIOD FOR THE USER OPERATION 229based on data from any source of current time data discussed herein,and/or as known in the art at the time of filing, and/or as developedafter the time of filing.

In one embodiment, once a determination is made as to whether a currenttime is in the first category time period or the second category timeperiod for the user at DETERMINE IF THE CURRENT TIME IS IN THE FIRSTCATEGORY TIME PERIOD OR THE SECOND CATEGORY TIME PERIOD FOR THE USEROPERATION 229, process flow proceeds to IF THE CURRENT TIME IS IN THEFIRST CATEGORY TIME PERIOD, GENERATE A SPENDING ANALYSIS DISPLAYINCLUDING A FIRST UBER FINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBERCALCULATED BASED ON THE CALCULATED AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD AMOUNT OPERATION 231.

In one embodiment, at IF THE CURRENT TIME IS IN THE FIRST CATEGORY TIMEPERIOD, GENERATE A SPENDING ANALYSIS DISPLAY INCLUDING A FIRST UBERFINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBER CALCULATED BASED ON THECALCULATED AVERAGE FIRST UBER FINANCIAL TRANSACTION CATEGORY FIRSTCATEGORY TIME PERIOD AMOUNT OPERATION 231, if the current time isdetermined to be in the first category time period for the user atDETERMINE IF THE CURRENT TIME IS IN THE FIRST CATEGORY TIME PERIOD ORTHE SECOND CATEGORY TIME PERIOD FOR THE USER OPERATION 229, the firstUber financial transaction category analysis display region of agenerated spending analysis display includes a first Uber financialtransaction category analysis number calculated based on the calculatedaverage first Uber financial transaction category first category timeperiod amount.

In various embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed at IF THE CURRENT TIME IS INTHE FIRST CATEGORY TIME PERIOD, GENERATE A SPENDING ANALYSIS DISPLAYINCLUDING A FIRST UBER FINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBERCALCULATED BASED ON THE CALCULATED AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD AMOUNT OPERATION 231 issimply the average first Uber financial transaction category firstcategory time period amount of CALCULATE AN AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD AMOUNT OPERATION 225.

In other embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed at IF THE CURRENT TIME IS INTHE FIRST CATEGORY TIME PERIOD, GENERATE A SPENDING ANALYSIS DISPLAYINCLUDING A FIRST UBER FINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBERCALCULATED BASED ON THE CALCULATED AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY FIRST CATEGORY TIME PERIOD AMOUNT OPERATION 231 isa further processed number determined based on the average first Uberfinancial transaction category first category time period amount ofCALCULATE AN AVERAGE FIRST UBER FINANCIAL TRANSACTION CATEGORY FIRSTCATEGORY TIME PERIOD AMOUNT OPERATION 225. For instance, in oneembodiment, the first Uber financial transaction category analysisnumber is the average first Uber financial transaction category firstcategory time period amount minus recent transaction amounts categorizedas being in the first Uber financial transaction category to reveal anamount left for spending in the first Uber financial transactioncategory.

Continuing with the specific illustrative example set forth above, ifthe current time is determined to be a work day/weekday for the user,the calculated average first Uber financial transaction category firstcategory time period amount of $47.00 is displayed in the first Uberfinancial transaction category analysis display region. A specificillustrative example of this first Uber financial transaction categoryanalysis display region is shown in FIG. 4 and is discussed above.

Returning to FIG. 2, in one embodiment, once the first Uber financialtransaction category analysis display region of a generated spendinganalysis display includes a first Uber financial transaction categoryanalysis number calculated based on the calculated average first Uberfinancial transaction category first category time period amount if thecurrent time is determined to be in the first category time period forthe user at DETERMINE IF THE CURRENT TIME IS IN THE FIRST CATEGORY TIMEPERIOD OR THE SECOND CATEGORY TIME PERIOD FOR THE USER OPERATION 229 atIF THE CURRENT TIME IS IN THE FIRST CATEGORY TIME PERIOD, GENERATE ASPENDING ANALYSIS DISPLAY INCLUDING A FIRST UBER FINANCIAL TRANSACTIONCATEGORY ANALYSIS NUMBER CALCULATED BASED ON THE CALCULATED AVERAGEFIRST UBER FINANCIAL TRANSACTION CATEGORY FIRST CATEGORY TIME PERIODAMOUNT OPERATION 231, process flow proceeds to IF THE CURRENT TIME IS INTHE SECOND CATEGORY TIME PERIOD, GENERATE A SPENDING ANALYSIS DISPLAYINCLUDING A FIRST UBER FINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBERCALCULATED BASED ON THE CALCULATED AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD AMOUNT OPERATION 233.

In one embodiment, at IF THE CURRENT TIME IS IN THE SECOND CATEGORY TIMEPERIOD, GENERATE A SPENDING ANALYSIS DISPLAY INCLUDING A FIRST UBERFINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBER CALCULATED BASED ON THECALCULATED AVERAGE FIRST UBER FINANCIAL TRANSACTION CATEGORY SECONDCATEGORY TIME PERIOD AMOUNT OPERATION 233, if the current time isdetermined to be in the second category time period for the user atDETERMINE IF THE CURRENT TIME IS IN THE FIRST CATEGORY TIME PERIOD ORTHE SECOND CATEGORY TIME PERIOD FOR THE USER OPERATION 229, the firstUber financial transaction category analysis display region of thegenerated spending analysis display includes a first Uber financialtransaction category analysis number calculated based on the calculatedaverage first Uber financial transaction category second category timeperiod amount of CALCULATE AN AVERAGE FIRST UBER FINANCIAL TRANSACTIONCATEGORY SECOND CATEGORY TIME PERIOD AMOUNT OPERATION 227. A specificillustrative example of this first Uber financial transaction categoryanalysis display region is shown in FIG. 5 and is discussed above.

In various embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed at IF THE CURRENT TIME IS INTHE SECOND CATEGORY TIME PERIOD, GENERATE A SPENDING ANALYSIS DISPLAYINCLUDING A FIRST UBER FINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBERCALCULATED BASED ON THE CALCULATED AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD AMOUNT OPERATION 233 issimply the average first Uber financial transaction category secondcategory time period amount of CALCULATE AN AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD AMOUNT OPERATION 227.

In other embodiments, the first Uber financial transaction categoryanalysis number calculated and displayed at IF THE CURRENT TIME IS INTHE SECOND CATEGORY TIME PERIOD, GENERATE A SPENDING ANALYSIS DISPLAYINCLUDING A FIRST UBER FINANCIAL TRANSACTION CATEGORY ANALYSIS NUMBERCALCULATED BASED ON THE CALCULATED AVERAGE FIRST UBER FINANCIALTRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD AMOUNT OPERATION 233 isa further processed number determined based on the average first Uberfinancial transaction category second category time period amount ofCALCULATE AN AVERAGE FIRST UBER FINANCIAL TRANSACTION CATEGORY SECONDCATEGORY TIME PERIOD AMOUNT OPERATION 227. For instance, in oneembodiment, the first Uber financial transaction category analysisnumber is the average first Uber financial transaction category secondcategory time period amount minus recent transaction amounts categorizedas being in the first Uber financial transaction category to reveal anamount left for spending in the first Uber financial transactioncategory.

Continuing with the specific illustrative example set forth above, ifthe current time is determined to be a non-work day/weekend day for theuser, the calculated average first Uber financial transaction categorysecond category time period amount of $91.00 is displayed.

In one embodiment, once the first Uber financial transaction categoryanalysis display region of the generated spending analysis displayincludes a first Uber financial transaction category analysis numbercalculated based on the calculated average first Uber financialtransaction category second category time period amount if the currenttime is determined to be in the second category time period for the userat DETERMINE IF THE CURRENT TIME IS IN THE FIRST CATEGORY TIME PERIOD ORTHE SECOND CATEGORY TIME PERIOD FOR THE USER OPERATION 229, at IF THECURRENT TIME IS IN THE SECOND CATEGORY TIME PERIOD, GENERATE A SPENDINGANALYSIS DISPLAY INCLUDING A FIRST UBER FINANCIAL TRANSACTION CATEGORYANALYSIS NUMBER CALCULATED BASED ON THE CALCULATED AVERAGE FIRST UBERFINANCIAL TRANSACTION CATEGORY SECOND CATEGORY TIME PERIOD AMOUNTOPERATION 233, process flow proceeds to PROVIDE THE SPENDING ANALYSISDISPLAY TO THE USER ON A DISPLAY SCREEN OF A USER COMPUTING SYSTEMOPERATION 235.

In one embodiment, at PROVIDE THE SPENDING ANALYSIS DISPLAY TO THE USERON A DISPLAY SCREEN OF A USER COMPUTING SYSTEM OPERATION 235, thespending analysis display is made accessible to the user via a displayscreen of a user computing system.

In one embodiment, once the spending analysis display is made accessibleto the user via a display screen of a user computing system at PROVIDETHE SPENDING ANALYSIS DISPLAY TO THE USER ON A DISPLAY SCREEN OF A USERCOMPUTING SYSTEM OPERATION 235, process flow proceeds to EXIT OPERATION240.

In one embodiment, at EXIT OPERATION 240 process 200 for providing aspending analysis display dynamically adapted to defined categories ofday and/or date is exited to await new data.

FIG. 3 is a flow chart representing one example of a process 300 forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date in accordance with one embodiment.

Process 300 for providing a spending analysis display dynamicallyadapted to defined categories of day and/or date is substantiallysimilar to process 200 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date, exceptthat process 300 for providing a spending analysis display dynamicallyadapted to defined categories of day and/or date represented thespecific embodiment, where, after ENTER OPERATION 301: the firstcategory time periods are defined to be weekdays at DEFINE WEEKDAYS ASFIRST CATEGORY TIME PERIODS OPERATION 303; the second category timeperiods are defined to be weekend days at DEFINE WEEKEND DAYS AS SECONDCATEGORY TIME PERIODS OPERATION 305; the comparison timeframe is definedat DEFINE A COMPARISON TIMEFRAME OPERATION 307 to be any comparison timeframe discussed herein; a comparison timeframe weekday number iscalculated at CALCULATE A COMPARISON TIMEFRAME WEEKDAY NUMBER OPERATION309; a comparison timeframe weekend day number is calculated atCALCULATE A COMPARISON TIMEFRAME WEEKEND DAY NUMBER OPERATION 311; adiscretionary spending first Uber financial transaction category isdefined at DEFINE A DISCRETIONARY SPENDING FINANCIAL TRANSACTIONCATEGORY OPERATION 313; financial transaction data is obtained at OBTAINFINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS ASSOCIATED WITH A USER CONDUCTED DURING THE COMPARISONTIMEFRAME OPERATION 315 for the comparison timeframe of DEFINE ACOMPARISON TIMEFRAME OPERATION 307; financial transactions conductedduring weekdays in the comparison timeframe that are discretionaryspending related are identified at IDENTIFY ONE OR MORE FINANCIALTRANSACTIONS ASSOCIATED WITH A USER CONDUCTED DURING WEEKDAYS THATOCCURRED IN THE DEFINED COMPARISON TIMEFRAME AND THAT ARE DISCRETIONARYSPENDING FINANCIAL TRANSACTIONS OPERATION 317; financial transactionsconducted during weekend days in the comparison timeframe that arediscretionary spending related are identified at IDENTIFY ONE OR MOREFINANCIAL TRANSACTIONS ASSOCIATED WITH THE USER CONDUCTED DURING WEEKENDDAYS THAT OCCURRED IN THE DEFINED COMPARISON TIMEFRAME AND THAT AREDISCRETIONARY SPENDING FINANCIAL TRANSACTIONS OPERATION 319; adiscretionary spending financial transactions weekday cumulative amountis calculated at CALCULATE A DISCRETIONARY SPENDING FINANCIALTRANSACTIONS WEEKDAY CUMULATIVE AMOUNT OPERATION 321; a discretionaryspending financial transactions weekend day cumulative amount iscalculated at CALCULATE A DISCRETIONARY SPENDING FINANCIAL TRANSACTIONSWEEKEND DAY CUMULATIVE AMOUNT OPERATION 323; an average discretionaryspending financial transactions weekday amount is calculated atCALCULATE AN AVERAGE DISCRETIONARY SPENDING FINANCIAL TRANSACTIONSWEEKDAY AMOUNT OPERATION 325; an average discretionary spendingfinancial transactions weekend day amount is calculated at CALCULATE ANDISCRETIONARY SPENDING FINANCIAL TRANSACTIONS WEEKEND DAY AMOUNTOPERATION 327; a determination is made as to whether the current time isa weekday or weekend day for the user at DETERMINE IF THE CURRENT TIMEIS A WEEKDAY OR WEEKEND DAY FOR THE USER OPERATION 329; if the currenttime is determined to be a weekday for the user, the first Uberfinancial transaction category analysis display region of the generatedspending analysis display includes a discretionary weekday spendinganalysis number at IF THE CURRENT TIME IS A WEEKDAY FOR THE USER,GENERATE A SPENDING ANALYSIS DISPLAY INCLUDING A DISCRETIONARY SPENDINGANALYSIS NUMBER CALCULATED BASED ON THE CALCULATED AVERAGE DISCRETIONARYSPENDING FINANCIAL TRANSACTIONS WEEKDAY AMOUNT OPERATION 331; if thecurrent time is determined to be a weekend day for the user, the firstUber financial transaction category analysis display region of thegenerated spending analysis display includes a discretionary weekend dayspending analysis number at IF THE CURRENT TIME WEEKEND DAY, GENERATE ASPENDING ANALYSIS DISPLAY INCLUDING A DISCRETIONARY SPENDING ANALYSISNUMBER CALCULATED BASED ON THE CALCULATED AVERAGE DISCRETIONARY SPENDINGFINANCIAL TRANSACTIONS WEEKEND DAY AMOUNT OPERATION 333; and thespending analysis display is provided to the user PROVIDE THE SPENDINGANALYSIS DISPLAY TO THE USER ON A DISPLAY SCREEN OF A USER COMPUTINGSYSTEM OPERATION 335 before EXIT OPERATION 340.

Using processes 200 and 300 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date discussedherein, a solution to the long standing problem of failure to take intoaccount periodically repeating variations in user spending, and inparticular, variations in user spending that naturally occur over thecourse of a day, a week, a month, a quarter, a year, or any definedperiod of time based on the hours and days of the week the user works,seasonal employment and spending, and/or other particulars of anindividual user's life and career that can cause periodically repeatingvariations in user spending is provided.

Processes 200 and 300 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date solve theproblem by providing users an intuitive and interactive spendinganalysis display that is dynamically adapted to the display day and/ordate and that allows users to intuitively and easily see theirdiscretionary and non-discretionary spending, to categorize undeterminedfinancial transactions in a relevant and engaging way, and providesimple, user friendly, intuitive, and interactive spendinganalysis/tracking that is dynamically adjusted/adapted to reflectperiodically repeating variations in user spending.

Therefore, processes 200 and 300 for providing a spending analysisdisplay dynamically adapted to defined categories of day and/or datesignificantly improve the technical fields of data entry/selection anduser experience. Therefore, implementations of embodiments of thepresent disclosure represent a significant improvement to the field ofuser experience and, in particular, efficient use of human and non-humanresources.

In addition, by eliminating the necessity of performing unnecessaryanalysis and displaying detailed, and often undesired, reports and data,there is less data entry, less processing of data, and fewer errors inentered data. Consequently, using processes 200 and 300 for providing aspending analysis display dynamically adapted to defined categories ofday and/or date, fewer processor cycles are utilized, memory utilizationis reduced, and less communications bandwidth is utilized to relay datato and from backend systems. As a result, computing systems, andparticularly mobile computing systems, are transformed into faster, moreefficient, and more effective computing systems by implementingprocesses 200 and 300 for providing a spending analysis displaydynamically adapted to defined categories of day and/or date discussedherein.

As a result, using implementations of processes 200 and 300 forproviding a spending analysis display dynamically adapted to definedcategories of day and/or date the fields of financial management,financial data processing, data entry, data display, data processing,and user experience are significantly improved.

FIG. 6 is a flow chart representing one example of a process 600providing a spending analysis display in accordance with one embodiment.

As seen in FIG. 6, process 600 for providing a spending analysis displaybegins at ENTER OPERATION 601 and process flow proceeds to DEFINE TWO ORMORE FINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 603.

In one embodiment, at DEFINE TWO OR MORE FINANCIAL TRANSACTIONCATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 603two or more financial transaction categories to be applied to, orotherwise associated with, one or more financial transactions includedin financial transaction data are defined.

In various embodiments, the financial transaction categories representmanually or automatically applied financial transaction categories usedto categorize and process various financial transactions associated withthe user. In various embodiments, the financial transaction categoriesare defined by the provider of process 600 for providing a spendinganalysis display. In other embodiments, the financial transactioncategories are defined by one or more financial management systems suchas, but not limited to, any of the financial management systems asdiscussed herein, and/or as known in the art at the time of filing,and/or as developed after the time of filing.

In some embodiments, the financial transaction categories are defined byoutside agencies such as, but not limited to, the IRS or other state andlocal tax agencies.

In various embodiments, the financial transaction categories definedinclude, but are not limited to, one or more the following:entertainment categories, such as arts, amusement, music, movies andDVDs, newspaper and magazines, etc.; shopping categories, such asclothing, books, electronics and software, hobbies, sporting goods,etc.; personal care categories, such as hair, spa and massage, etc.;health and fitness categories, such as gym, sports, etc.; kidscategories, such as toys, kid activities, allowance, etc.; food anddining categories, such as coffee, fast food, restaurants, alcohol,etc.; gift and donation categories, such as, gifts, charity, etc.; petand pet care categories, such as, pet grooming, etc.; financialcategories, such as, life insurance, financial advisor fees, accountantfees, etc.; home categories, such as, furnishings, lawn and garden, homeimprovement, television, cable, home phone, Internet, mobile phone,etc.; travel categories, such as, air travel, hotel expenses, rental carand taxi expenses, vacation, etc.; uncategorized/undeterminedtransactions such as, cash ATM transactions, check transactions,transfer transactions, credit card payments, etc.; investmentcategories, such as, deposits, withdrawals, dividends and capital, buy,sell, etc.; and/or any other financial transaction categories definedand/or discussed herein, and/or as known in the art at the time offiling, and/or as developed after the time of filing.

In one embodiment, once the two or more financial transaction categoriesare defined, financial transaction category data is generatedrepresenting the defined two or more financial transaction categories.

In one embodiment, once two or more financial transaction categories tobe applied to, or otherwise associated with, one or more financialtransactions included in financial transaction data are defined andfinancial transaction category data is generated at DEFINE TWO OR MOREFINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 603, process flow proceeds to DEFINE AT LEAST TWOUBER FINANCIAL TRANSACTION CATEGORIES OPERATION 605.

In one embodiment, at DEFINE AT LEAST TWO UBER FINANCIAL TRANSACTIONCATEGORIES OPERATION 605 at least two uber financial transactioncategories are defined.

In various embodiments, the uber financial transaction categories ofDEFINE AT LEAST TWO UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 605are broad financial transaction categories that include, or encompass,one or more of the financial transaction categories of DEFINE TWO ORMORE FINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 603.

In one embodiment, at DEFINE AT LEAST TWO UBER FINANCIAL TRANSACTIONCATEGORIES OPERATION 605 the uber financial transaction categories aredefined in pairs of uber financial transaction categories that arerepresentative of a broad categorization of various subsets of financialtransaction categories.

For instance, in one specific example, the pair of uber financialtransaction categories is a “wants” uber financial transaction categoryrepresenting discretionary spending financial transactions and a “needs”uber financial transaction category representing non-discretionaryfinancial transactions. In this specific illustrative example, the uberfinancial transaction categories are used to distinguish betweenfinancial transactions, and associated financial transaction categories,over which the user has control, i.e., that are associated with spendingthat is not required, but rather represents desired spending on a“wanted” item or service, as opposed to financial transactions, andassociated financial transaction categories, over which the user has nocontrol, i.e., that are associated with spending that is required and isnot optional, such as utilities, rent, mortgage, etc.

In one embodiment, the uber financial transaction categories are definedat DEFINE AT LEAST TWO UBER FINANCIAL TRANSACTION CATEGORIES OPERATION605 in sets of three or more uber financial transaction categories thatare representative of a broad categorization of various subsets offinancial transaction categories.

For instance, in one specific example, the uber financial transactioncategories include: a “wants” uber financial transaction categoryrepresenting discretionary spending financial transactions; a “needs”uber financial transaction category representing non-discretionaryfinancial transactions; and a savings uber financial transactioncategory. In this specific illustrative example, the uber financialtransaction categories are used to distinguish between financialtransactions, and associated financial transaction categories, overwhich the user has control, i.e., that are associated with spending thatis not required, but rather represents desired spending on a “wanted”item or service, as opposed to financial transactions, associatedfinancial transaction categories, over which the user has no control,i.e., that are associated with spending that is required and is notoptional, such as utilities, rent, mortgage, etc; and savingstransactions.

As noted above, one long standing problem associated with traditionalfinancial management systems displays is the inability to present userstheir financial information in an efficient, relevant, intuitive,interactive, and dynamic way that is of practical use. However, bydividing the user's spending transactions between relatively few, in oneembodiment only two, uber financial transaction categories at DEFINE ATLEAST TWO UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 605, the useris provided a straightforward display illustrating, in this specificillustrative example, how much the user is spending on items andservices that are needed, and therefore not discretionary, versus howmuch the user is spending on items and services that are not needed, butwhich are desired.

Other examples of uber financial transaction categories of DEFINE ATLEAST TWO UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 605 includeany uber financial transaction categories as discussed herein, and/or asknown in the art at the time of filing, and/or as developed after thetime of filing.

In one embodiment, once at least two uber financial transactioncategories are defined, uber financial transaction category datarepresenting the defined uber financial transaction categories isgenerated at DEFINE AT LEAST TWO UBER FINANCIAL TRANSACTION CATEGORIESOPERATION 605.

In one embodiment, once at least two uber financial transactioncategories are defined and uber financial transaction category datarepresenting the defined uber financial transaction categories isgenerated at DEFINE AT LEAST TWO UBER FINANCIAL TRANSACTION CATEGORIESOPERATION 605, process flow proceeds to MAP AT LEAST ONE OF THEFINANCIAL TRANSACTION CATEGORIES TO ONE OF THE UBER FINANCIALTRANSACTION CATEGORIES OPERATION 607.

In one embodiment, at MAP AT LEAST ONE OF THE FINANCIAL TRANSACTIONCATEGORIES TO ONE OF THE UBER FINANCIAL TRANSACTION CATEGORIES OPERATION607 a subset of the defined financial transaction categories of DEFINETWO OR MORE FINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITHFINANCIAL TRANSACTIONS OPERATION 603 is mapped to one of the uberfinancial transaction categories, e.g., the wants uber financialtransaction category, the needs uber financial transaction category, orthe savings uber financial transaction category of DEFINE AT LEAST TWOUBER FINANCIAL TRANSACTION CATEGORIES OPERATION 605.

The mapping of the one or more of defined financial categories to theuber financial transaction categories at MAP AT LEAST ONE OF THEFINANCIAL TRANSACTION CATEGORIES TO ONE OF THE UBER FINANCIALTRANSACTION CATEGORIES OPERATION 607 represents the fact that somedefined financial categories of DEFINE TWO OR MORE FINANCIAL TRANSACTIONCATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 603,such as, for instance, the financial categories of rent, utilities, carrepair, insurance payments, etc. are almost always needs-based financialtransactions, and therefore should always be mapped to the needs uberfinancial transaction category. In contrast, some defined financialcategories of DEFINE TWO OR MORE FINANCIAL TRANSACTION CATEGORIES TO BEASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 603, such asentertainment, pet grooming, vacation, etc., are almost alwayswants-based financial transactions, and therefore should always bemapped to the wants uber financial transaction category.

However, some financial transaction categories, and associated financialtransactions, of DEFINE TWO OR MORE FINANCIAL TRANSACTION CATEGORIES TOBE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 603 are eitheruncategorized or are categorized in financial transaction categorieswhich are not clearly mapped to any uber financial transactioncategories. For instance, the financial transaction categories shopping,clothing, personal care, hair, kids, kid activities, allowance, food anddining, pets, home, home furnishings, ATM transactions, checktransactions, withdraw transaction, etc., are mapped to either the wantsuber financial transaction category or the needs uber financialtransaction category depending on the specific financial transaction.

As an illustrative example, a given financial transaction categorized asclothing could either be a purchase of business attire necessary to keepone's job, in which case it would clearly be mapped to the needs uberfinancial transaction category, or it could represent a purchase of anew party dress or hobby related clothing which would most likely bemapped to the wants uber financial transaction category.

Consequently, in one embodiment, those financial transaction categories,and associated financial transactions, of DEFINE TWO OR MORE FINANCIALTRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONSOPERATION 603 that are clearly, or most likely, related to purchasesassociated with a given uber financial transaction category areautomatically mapped to that uber financial transaction category at MAPAT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TO ONE OF THE uberFINANCIAL TRANSACTION CATEGORIES OPERATION 607.

In addition, at MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIESTO ONE OF THE UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 607 thosefinancial transactions that are either not categorized, or arecategorized using financial transaction categories that are not clearlyassociated with any of the uber financial transaction categories, aredesignated uncategorized/undetermined financial transactions and aretherefore not mapped to any of the uber financial transactioncategories, but are instead accumulated in a set ofuncategorized/undetermined financial transaction data representing theuncategorized/undetermined financial transactions.

In some embodiments, an initial mapping of the financial transactioncategories to the uber financial transaction categories is performed atMAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TO ONE OF THEUBER FINANCIAL TRANSACTION CATEGORIES OPERATION 607 by the provider ofprocess 600 for providing a spending analysis display. In someembodiments, the initial mapping of the financial transaction categoriesto the uber financial transaction categories performed by the providerof process 600 for providing a spending analysis display can then bemodified by the user, or as a result of feedback received during theoperation of the process 600 for providing a spending analysis display.

In other embodiments, the mapping of the financial transactioncategories to the uber financial transaction categories is performed atMAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TO ONE OF THEUBER FINANCIAL TRANSACTION CATEGORIES OPERATION 607 by the user and thisinitial mapping can be modified by the user for various reasons. Forinstance, while financial transactions related to purchasing coffeemight be initially mapped by either the user or the process 600 forproviding a spending analysis display to the wants uber financialtransaction category, in one embodiment, the user may change thismapping to either the needs uber financial transaction category or tothe uncategorized/undetermined financial transaction category. Onereason a user might wish to change the mapping of a financialtransaction category to the uncategorized/undetermined financialtransaction category would be to force the user to visualize andinteract with a specific category of financial transactions, asdiscussed below.

In one embodiment, once a subset of the defined financial transactioncategories is mapped to at least one uber financial transaction categoryat MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TO ONE OFTHE UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 607, process flowproceeds to OBTAIN FINANCIAL TRANSACTION DATA REPRESENTING ONE OR MOREFINANCIAL TRANSACTIONS CONDUCTED BY A USER OPERATION 609.

In one embodiment, at OBTAIN FINANCIAL TRANSACTION DATA REPRESENTING ONEOR MORE FINANCIAL TRANSACTIONS CONDUCTED BY A USER OPERATION 609financial transaction data representing financial transactions conductedby a user is obtained.

In one embodiment, the financial transaction data is obtained at OBTAINFINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS CONDUCTED BY A USER OPERATION 609 from one or morefinancial management systems, such as any of the financial managementsystems discussed herein, and/or as known in the art at the time offiling, and/or as developed after the time of filing, and/or by anymeans as discussed herein, and/or as known in the art at the time offiling, and/or as becomes known after the time of filing.

In one embodiment, the financial transaction data of at OBTAIN FINANCIALTRANSACTION DATA REPRESENTING ONE OR MORE FINANCIAL TRANSACTIONSCONDUCTED BY A USER OPERATION 609 is financial transaction data from adefined relevant period of time such as, a day, a week, a month,quarter, a year, etc. In various embodiments the relevant period of timeis defined by the user, and/or provider, of process 600 for providing aspending analysis display.

In one embodiment, once financial transaction data representingfinancial transactions conducted by a user is obtained at OBTAINFINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS CONDUCTED BY A USER OPERATION 609, process flow proceeds toDEFINE SPENDING GUIDELINES FOR EACH OF THE UBER FINANCIAL TRANSACTIONCATEGORIES AND GENERATE USER CUSTOMIZED BUDGET GUIDELINE DATA OPERATION611.

In one embodiment, at DEFINE SPENDING GUIDELINES FOR EACH OF THE UBERFINANCIAL TRANSACTION CATEGORIES AND GENERATE USER CUSTOMIZED BUDGETGUIDELINE DATA OPERATION 611 spending, or budgeting, guidelines for eachof the uber financial transaction categories of DEFINE AT LEAST TWO UBERFINANCIAL TRANSACTION CATEGORIES OPERATION 605 are defined.

In one embodiment, the budget guidelines for each of the uber financialtransaction categories are defined at DEFINE SPENDING GUIDELINES FOREACH OF THE UBER FINANCIAL TRANSACTION CATEGORIES AND GENERATE USERCUSTOMIZED BUDGET GUIDELINE DATA OPERATION 611 as a percentage of totalincome.

In one embodiment, the budget guidelines for each of the uber financialtransaction categories are defined at DEFINE SPENDING GUIDELINES FOREACH OF THE UBER FINANCIAL TRANSACTION CATEGORIES AND GENERATE USERCUSTOMIZED BUDGET GUIDELINE DATA OPERATION 611 as a monetary amount.

In one embodiment, the budget guidelines for each of the uber financialtransaction categories is defined at DEFINE SPENDING GUIDELINES FOR EACHOF THE UBER FINANCIAL TRANSACTION CATEGORIES AND GENERATE USERCUSTOMIZED BUDGET GUIDELINE DATA OPERATION 611 by the user of process600 for providing a spending analysis display, and/or a financialmanagement system associated with process 600 for providing a spendinganalysis display.

In one embodiment, the budget guidelines for each of the uber financialtransaction categories is defined at DEFINE SPENDING GUIDELINES FOR EACHOF THE UBER FINANCIAL TRANSACTION CATEGORIES AND GENERATE USERCUSTOMIZED BUDGET GUIDELINE DATA OPERATION 611 by the provider ofprocess 600 for providing a spending analysis display, and/or afinancial management system associated with process 600 for providing aspending analysis display.

In various embodiments, the budget guidelines for each of the uberfinancial transaction categories is defined at DEFINE SPENDINGGUIDELINES FOR EACH OF THE UBER FINANCIAL TRANSACTION CATEGORIES ANDGENERATE USER CUSTOMIZED BUDGET GUIDELINE DATA OPERATION 611 using anymethod, means, mechanism, process and/or procedure for defining spendingguidelines for each of the uber financial transaction categories asdiscussed herein, and/or as known in the art at the time of filing,and/or as developed after the time of filing.

As a specific illustrative example, in one embodiment, the budgetguidelines for each of the uber financial transaction categories isdetermined at DEFINE SPENDING GUIDELINES FOR EACH OF THE UBER FINANCIALTRANSACTION CATEGORIES AND GENERATE USER CUSTOMIZED BUDGET GUIDELINEDATA OPERATION 611 by the traditional 50/30/20 rule whereby 50% of anindividual's income should be allocated to non-discretionary spending,such as rent/housing, food, insurance, etc.; 30% of an individual'sincome should be allocated to discretionary spending, such asentertainment, dining, recreation; and 20% of an individual's incomeshould be allocated to savings. However, as noted, in variousembodiments, the budget guidelines for each of the uber financialtransaction categories is defined at DEFINE SPENDING GUIDELINES FOR EACHOF THE UBER FINANCIAL TRANSACTION CATEGORIES AND GENERATE USERCUSTOMIZED BUDGET GUIDELINE DATA OPERATION 611 using any method, means,mechanism, process and/or procedure for defining spending guidelines foreach of the uber financial transaction categories as discussed herein,and/or as known in the art at the time of filing, and/or as developedafter the time of filing.

In one embodiment, at DEFINE SPENDING GUIDELINES FOR EACH OF THE UBERFINANCIAL TRANSACTION CATEGORIES AND GENERATE USER CUSTOMIZED BUDGETGUIDELINE DATA OPERATION 611 data representing the spending guidelinesfor each of the uber financial transaction categories is then generatedand transformed into user customized budget guideline data. In oneembodiment, the user customized budget guideline data is then stored atDEFINE SPENDING GUIDELINES FOR EACH OF THE UBER FINANCIAL TRANSACTIONCATEGORIES AND GENERATE USER CUSTOMIZED BUDGET GUIDELINE DATA OPERATION611.

In one embodiment, once spending, or budgeting, guidelines for each ofthe uber financial transaction categories of DEFINE AT LEAST TWO UBERFINANCIAL TRANSACTION CATEGORIES OPERATION 605 are defined and usercustomized budget guideline data is generated and stored at DEFINESPENDING GUIDELINES FOR EACH OF THE UBER FINANCIAL TRANSACTIONCATEGORIES AND GENERATE USER CUSTOMIZED BUDGET GUIDELINE DATA OPERATION611, process flow proceeds to CATEGORIZE THE ONE OR MORE FINANCIALTRANSACTIONS USING THE FINANCIAL TRANSACTION CATEGORIES OPERATION 613.

In one embodiment, at CATEGORIZE THE ONE OR MORE FINANCIAL TRANSACTIONSUSING THE FINANCIAL TRANSACTION CATEGORIES OPERATION 613 the financialtransaction category data of DEFINE TWO OR MORE FINANCIAL TRANSACTIONCATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 603 isused to categorize as many of the financial transactions represented inthe financial transaction data of OBTAIN FINANCIAL TRANSACTION DATAREPRESENTING ONE OR MORE FINANCIAL TRANSACTIONS CONDUCTED BY A USEROPERATION 609 as is possible.

In one embodiment, once the financial transaction category data is usedto categorize as many of the financial transactions represented in thefinancial transaction data as is possible at CATEGORIZE THE ONE OR MOREFINANCIAL TRANSACTIONS USING THE FINANCIAL TRANSACTION CATEGORIESOPERATION 613, as many of the categorized financial transactions, and asmuch categorized financial transaction data, as possible is mapped tothe appropriate uber financial transaction category of DEFINE AT LEASTTWO UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 605 using thefinancial transaction category to uber financial transaction categorymapping of MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TOONE OF THE UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 607.

In one embodiment, as a result of the categorization and mapping of thefinancial transactions represented in the financial transaction data,each of the financial transactions represented in the financialtransaction data is assigned to one of the uber financial transactioncategories, or the uncategorized/undetermined financial transactioncategory and process flow proceeds to ACCUMULATE ALLUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS NOT MAPPED TO ANY UBERFINANCIAL TRANSACTION CATEGORY OPERATION 615.

In one embodiment, at ACCUMULATE ALL UNCATEGORIZED/UNDETERMINEDFINANCIAL TRANSACTIONS NOT MAPPED TO ANY UBER FINANCIAL TRANSACTIONCATEGORY OPERATION 615 all of the financial transaction datarepresenting uncategorized/undetermined financial transactions isaccumulated.

As noted above, in one embodiment, at CATEGORIZE THE ONE OR MOREFINANCIAL TRANSACTIONS USING THE FINANCIAL TRANSACTION CATEGORIESOPERATION 613 the financial transaction category data of DEFINE TWO ORMORE FINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 603 is used to categorize as many of thefinancial transactions represented in the financial transaction data ofOBTAIN FINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS CONDUCTED BY A USER OPERATION 609 as is possible. However,as also noted above, some financial transaction categories, andassociated financial transactions, are either uncategorized or arecategorized in financial transaction categories which are not clearlymapped to any uber financial transaction categories.

Consequently, in one embodiment, those financial transaction categories,and associated financial transactions, that are clearly, or most likely,related to purchases associated with the first uber financialtransaction category are automatically mapped to the first uberfinancial transaction category at CATEGORIZE THE ONE OR MORE FINANCIALTRANSACTIONS USING THE FINANCIAL TRANSACTION CATEGORIES OPERATION 613,those financial transaction categories, and associated financialtransactions, that are clearly, or most likely, related to purchasesassociated with the second financial transaction category areautomatically mapped to the second uber financial transaction categoryat CATEGORIZE THE ONE OR MORE FINANCIAL TRANSACTIONS USING THE FINANCIALTRANSACTION CATEGORIES OPERATION 613, and those financial transactioncategories, and associated financial transactions, that are clearly, ormost likely, associated with the third uber financial transactioncategory are automatically mapped to the third uber financialtransaction category CATEGORIZE THE ONE OR MORE FINANCIAL TRANSACTIONSUSING THE FINANCIAL TRANSACTION CATEGORIES OPERATION 613.

In addition, in one embodiment, those financial transactions that areeither not categorized, or are categorized using financial transactioncategories that are not clearly associated with any uber financialtransaction categories, are designated uncategorized/undeterminedfinancial transactions and are therefore not mapped to either the first,second, or third uber financial transaction categories, but are insteadaccumulated in a set of uncategorized/undetermined financial transactiondata representing the uncategorized/undetermined financial transactionsat ACCUMULATE ALL UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS NOTMAPPED TO ANY UBER FINANCIAL TRANSACTION CATEGORY OPERATION 615.

In one embodiment, a history of the user's spending is obtained andstored. In this embodiment, a user's financial transactions during thecurrent defined relevant time period is compared with the user's similarhistorical financial transactions in previous time periods at ACCUMULATEALL UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS NOT MAPPED TO ANYUBER FINANCIAL TRANSACTION CATEGORY OPERATION 615.

In one embodiment, if the user's financial transactions during thecurrent defined relevant time period are for amounts that aresignificantly different from the user's similar historical financialtransactions, then the current financial transactions are categorized asundetermined/uncategorized even at ACCUMULATE ALLUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS NOT MAPPED TO ANY UBERFINANCIAL TRANSACTION CATEGORY OPERATION 615 if the financialtransactions would normally be mapped to one of uber financialtransaction categories.

In this way, in one embodiment, even though a specific financialtransaction category is typically mapped to a specific uber financialtransaction category, if the amount of the specific financialtransactions changes, e.g., increases, the normal mapping of thefinancial transaction is no longer considered valid and the user isasked to examine the financial transaction and categorize it manually atACCUMULATE ALL UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS NOTMAPPED TO ANY UBER FINANCIAL TRANSACTION CATEGORY OPERATION 615.

In one embodiment, once financial transactions that are either notcategorized, or are categorized using financial transaction categoriesthat are not clearly associated with any uber financial transactioncategories, are accumulated in a set of uncategorized/undeterminedfinancial transaction data representing the uncategorized/undeterminedfinancial transactions at ACCUMULATE ALL UNCATEGORIZED/UNDETERMINEDFINANCIAL TRANSACTIONS NOT MAPPED TO ANY UBER FINANCIAL TRANSACTIONCATEGORY OPERATION 615, process flow proceeds to GENERATE A SPENDINGANALYSIS DISPLAY FOR THE USER INCLUDING AT LEAST ONE DISPLAY REGION FOREACH UBER FINANCIAL TRANSACTION CATEGORY AND AN UNCATEGORIZED FINANCIALTRANSACTIONS DISPLAY REGION FOR THE UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS OPERATION 617.

In one embodiment, at GENERATE A SPENDING ANALYSIS DISPLAY FOR THE USERINCLUDING AT LEAST ONE DISPLAY REGION FOR EACH UBER FINANCIALTRANSACTION CATEGORY AND AN UNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAYREGION FOR THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONSOPERATION 617 an intuitive and interactive spending analysis display isgenerated.

In one embodiment, the intuitive and interactive spending analysisdisplay of GENERATE A SPENDING ANALYSIS DISPLAY FOR THE USER INCLUDINGAT LEAST ONE DISPLAY REGION FOR EACH UBER FINANCIAL TRANSACTION CATEGORYAND AN UNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION FOR THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS OPERATION 617 includesat least three display regions; a first spending analysis display regionfor displaying the cumulative of total of the amounts of the financialtransactions mapped to the first uber financial transaction category, asecond spending analysis display region for displaying the cumulativetotal of the amounts of the financial transactions mapped to the seconduber financial transaction category, and an uncategorized financialtransactions region for displaying the individualuncategorized/undetermined financial transactions not mapped to eitherthe first or second uber financial transaction categories.

In various embodiments, the first and second regions of the intuitiveand interactive spending analysis display of GENERATE A SPENDINGANALYSIS DISPLAY FOR THE USER INCLUDING AT LEAST ONE DISPLAY REGION FOREACH UBER FINANCIAL TRANSACTION CATEGORY AND AN UNCATEGORIZED FINANCIALTRANSACTIONS DISPLAY REGION FOR THE UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS OPERATION 617 are visually distinguishable from each otherand represented as physically removed from one another, as discussedabove.

For instance, in various embodiments, the first display region of theintuitive and interactive spending analysis display includes any graphicof any color, and/or includes the cumulative total of the amounts of thefinancial transactions mapped to the first uber financial transactioncategory, and is displayed in a first display region in any region ofthe intuitive and interactive spending analysis display, while thesecond display region of the intuitive and interactive spending analysisdisplay includes any graphic of any color, and/or includes thecumulative total of the amounts of the financial transactions mapped tothe second uber financial transaction category, and is displayed in asecond display region in any different region of the intuitive andinteractive spending analysis display.

In one embodiment, the uncategorized financial transactions region ofthe intuitive and interactive spending analysis display of GENERATE ASPENDING ANALYSIS DISPLAY FOR THE USER INCLUDING AT LEAST ONE DISPLAYREGION FOR EACH UBER FINANCIAL TRANSACTION CATEGORY AND AN UNCATEGORIZEDFINANCIAL TRANSACTIONS DISPLAY REGION FOR THE UNCATEGORIZED/UNDETERMINEDFINANCIAL TRANSACTIONS OPERATION 617 includes anuncategorized/undetermined financial transaction listing displaying theindividual uncategorized/undetermined financial transactions not mappedto either the first or second uber financial transaction categories. Inone embodiment, uncategorized financial transactions region ispositioned approximately halfway between the first and second spendinganalysis display regions.

In one embodiment, the intuitive and interactive spending analysisdisplay of GENERATE A SPENDING ANALYSIS DISPLAY FOR THE USER INCLUDINGAT LEAST ONE DISPLAY REGION FOR EACH UBER FINANCIAL TRANSACTION CATEGORYAND AN UNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION FOR THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS OPERATION 617 includesat least four display regions; a first spending analysis display regionfor displaying the cumulative of total of the amounts of the financialtransactions mapped to the first uber financial transaction category, asecond spending analysis display region for displaying the cumulativetotal of the amounts of the financial transactions mapped to the seconduber financial transaction category, a third spending analysis displayregion for displaying the cumulative total of the amounts of thefinancial transactions mapped to the third uber financial transactioncategory, and a uncategorized financial transactions region fordisplaying the individual uncategorized/undetermined financialtransactions not mapped to either the first, second, or third uberfinancial transaction categories.

In various embodiments, the first, second, and third regions of theintuitive and interactive spending analysis display of GENERATE ASPENDING ANALYSIS DISPLAY FOR THE USER INCLUDING AT LEAST ONE DISPLAYREGION FOR EACH UBER FINANCIAL TRANSACTION CATEGORY AND AN UNCATEGORIZEDFINANCIAL TRANSACTIONS DISPLAY REGION FOR THE UNCATEGORIZED/UNDETERMINEDFINANCIAL TRANSACTIONS OPERATION 617 are visually distinguishable fromeach other and represented as physically removed from one another, asdiscussed above.

For instance, in various other embodiments: the first display region ofthe intuitive and interactive spending analysis display includes anygraphic of any color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the first uber financialtransaction category, and is displayed in a first display region in anyregion of the intuitive and interactive spending analysis display; thesecond display region of the intuitive and interactive spending analysisdisplay includes any graphic of any color, and/or includes thecumulative total of the amounts of the financial transactions mapped tothe second uber financial transaction category, and is displayed in asecond display region in any different region of the intuitive andinteractive spending analysis display; and the third display region ofthe intuitive and interactive spending analysis display includes anygraphic of any color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the third uber financialtransaction category, and is displayed in a third display region in anyregion of the intuitive and interactive spending analysis display.

In one embodiment, once an intuitive and interactive spending analysisdisplay is generated at GENERATE A SPENDING ANALYSIS DISPLAY FOR THEUSER INCLUDING AT LEAST ONE DISPLAY REGION FOR EACH UBER FINANCIALTRANSACTION CATEGORY AND AN UNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAYREGION FOR THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONSOPERATION 617, process flow proceeds to PROVIDE THE SPENDING ANALYSISDISPLAY TO THE USER OPERATION 619.

In one embodiment, at PROVIDE THE SPENDING ANALYSIS DISPLAY TO THE USEROPERATION 619 the intuitive and interactive spending analysis display ofGENERATE A SPENDING ANALYSIS DISPLAY FOR THE USER INCLUDING AT LEAST ONEDISPLAY REGION FOR EACH UBER FINANCIAL TRANSACTION CATEGORY AND ANUNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION FOR THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS OPERATION 617 isprovided to the user on a display screen of a user computing systemowned, accessible by, or otherwise associated with, the user.

In various embodiments, the user computing system of PROVIDE THESPENDING ANALYSIS DISPLAY TO THE USER OPERATION 619 is any computingsystem as discussed herein, and/or as known in the art at the time offiling, and/or as developed after the time of filing.

In various embodiments, the display screen of the user computing systemof PROVIDE THE SPENDING ANALYSIS DISPLAY TO THE USER OPERATION 619 is atouch screen, or other interactive display screen capable of receivinguser input via touch, stylus, or other user input device or mechanism,as discussed herein, and/or as known in the art at the time of filing,and/or as developed after the time of filing.

In one embodiment, once the intuitive and interactive spending analysisdisplay is provided to the user on a display screen of a user computingsystem owned, accessible by, or otherwise associated with, the user atPROVIDE THE SPENDING ANALYSIS DISPLAY TO THE USER OPERATION 619, processflow proceeds to PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THE UNCATEGORIZEDFINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDING ANALYSISDISPLAY OPERATION 621.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THE UNCATEGORIZEDFINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDING ANALYSISDISPLAY OPERATION 621 the user is provided the opportunity todynamically and intuitively categorize each of theuncategorized/undetermined financial transactions in one of the uberfinancial transaction categories of DEFINE AT LEAST TWO UBER FINANCIALTRANSACTION CATEGORIES OPERATION 605.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THE UNCATEGORIZEDFINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDING ANALYSISDISPLAY OPERATION 621 the user is provided the opportunity todynamically and intuitively categorize each of theuncategorized/undetermined financial transactions by selecting each ofthe uncategorized/undetermined financial transactions displayed in theuncategorized financial transactions display region of the spendinganalysis display and making a sweeping motion to the display regionassociated with a desired uber financial transaction category, e.g.,either the first, second, or third, region of the spending analysisdisplay of GENERATE A SPENDING ANALYSIS DISPLAY FOR THE USER INCLUDINGAT LEAST ONE DISPLAY REGION FOR EACH UBER FINANCIAL TRANSACTION CATEGORYAND AN UNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION FOR THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS OPERATION 617.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THE UNCATEGORIZEDFINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDING ANALYSISDISPLAY OPERATION 621 a selected uncategorized/undetermined financialtransaction combined with a motion to the first region of the spendinganalysis display is automatically categorized as a member of the firstuber financial transaction category and at AS THE USER CATEGORIZES THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS, DYNAMICALLY TRANSFORMTHE DISPLAY REGION ASSOCIATED WITH THE APPROPRIATE UBER FINANCIALTRANSACTION CATEGORY AND THE UNCATEGORIZED FINANCIAL TRANSACTIONSDISPLAY REGION TO REFLECT THE USER'S CATEGORIZATIONS OPERATION 623 thecumulative amount of the first uber financial transaction category istransformed to include an amount of the selecteduncategorized/undetermined financial transaction.

Likewise, in one embodiment, at PROVIDE THE USER THE CAPABILITY TOCATEGORIZE THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THEUNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDINGANALYSIS DISPLAY OPERATION 621 a selected uncategorized/undeterminedfinancial transaction combined with a motion to the second region of thespending analysis display is automatically categorized as a member ofthe second uber financial transaction category and at AS THE USERCATEGORIZES THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS,DYNAMICALLY TRANSFORM THE DISPLAY REGION ASSOCIATED WITH THE APPROPRIATEUBER FINANCIAL TRANSACTION CATEGORY AND THE UNCATEGORIZED FINANCIALTRANSACTIONS DISPLAY REGION TO REFLECT THE USER'S CATEGORIZATIONSOPERATION 623 the cumulative amount of the second uber financialtransaction category is transformed to include an amount of the selecteduncategorized/undetermined financial transaction.

Similarly, in one embodiment, at PROVIDE THE USER THE CAPABILITY TOCATEGORIZE THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THEUNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDINGANALYSIS DISPLAY OPERATION 621 a selected uncategorized/undeterminedfinancial transaction combined with a motion to the third region of thespending analysis display is automatically categorized as a member ofthe third uber financial transaction category and at AS THE USERCATEGORIZES THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS,DYNAMICALLY TRANSFORM THE DISPLAY REGION ASSOCIATED WITH THE APPROPRIATEUBER FINANCIAL TRANSACTION CATEGORY AND THE UNCATEGORIZED FINANCIALTRANSACTIONS DISPLAY REGION TO REFLECT THE USER'S CATEGORIZATIONSOPERATION 623 the cumulative amount of the third uber financialtransaction category is transformed to include an amount of the selecteduncategorized/undetermined financial transaction.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THE UNCATEGORIZEDFINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDING ANALYSISDISPLAY OPERATION 621 the user is provided the capability to categorizeeach of uncategorized/undetermined financial transactions by selectingeach of the uncategorized/undetermined financial transactions displayedin the uncategorized financial transactions display region of thespending analysis display and making a sweeping motion to either thefirst, second, or, in one embodiment, third, region of the spendinganalysis display via a single sweeping motion by the user on the displaydevice of the user computing system.

In one embodiment, once a selected uncategorized/undetermined financialtransaction is appropriately categorized as a member of one of the uberfinancial transaction category at PROVIDE THE USER THE CAPABILITY TOCATEGORIZE THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS IN THEUNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION THROUGH THE SPENDINGANALYSIS DISPLAY OPERATION 621 and the cumulative amount of theappropriate uber financial transaction category is transformed toinclude an amount of the selected uncategorized/undetermined financialtransaction at AS THE USER CATEGORIZES THE UNCATEGORIZED/UNDETERMINEDFINANCIAL TRANSACTIONS, DYNAMICALLY TRANSFORM THE DISPLAY REGIONASSOCIATED WITH THE APPROPRIATE UBER FINANCIAL TRANSACTION CATEGORY ANDTHE UNCATEGORIZED FINANCIAL TRANSACTIONS DISPLAY REGION TO REFLECT THEUSER'S CATEGORIZATIONS OPERATION 623, process flow proceeds to FOR EACHUBER FINANCIAL TRANSACTION CATEGORY DETERMINE THE TOTAL AMOUNT OF THETRANSACTIONS MAPPED TO THAT UBER FINANCIAL TRANSACTION CATEGORY ANDGENERATE TOTAL AMOUNT DATA FOR EACH OF THE UBER FINANCIAL TRANSACTIONCATEGORIES OPERATION 625.

In one embodiment, at FOR EACH UBER FINANCIAL TRANSACTION CATEGORYDETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONS MAPPED TO THAT UBERFINANCIAL TRANSACTION CATEGORY AND GENERATE TOTAL AMOUNT DATA FOR EACHOF THE UBER FINANCIAL TRANSACTION CATEGORIES OPERATION 625 all of thefinancial transactions represented in the financial transaction datamapped to a given uber financial transaction category are accumulatedand total amount data representing a cumulative total of the amounts ofthe financial transactions mapped to the given uber financialtransaction category is calculated.

As a specific illustrative example, in one embodiment, all of thefinancial transactions represented in the financial transaction datamapped to the first uber financial transaction category are accumulatedand a cumulative total of the amounts of the financial transactionsmapped to the first uber financial transaction category is calculated.Likewise, in one embodiment, all of the financial transactionsrepresented in the financial transaction data mapped to the second uberfinancial transaction category are accumulated and a cumulative total ofthe amounts of the financial transactions mapped to the second uberfinancial transaction category is calculated.

Consequently, as a specific illustrative example, in one embodiment, allof the financial transactions represented in the financial transactiondata mapped to the wants uber financial transaction category areaccumulated and a cumulative total of the amounts of the financialtransactions mapped to the wants financial transaction category iscalculated to reveal the user's total spending for the defined relevanttime period in the wants uber financial transaction category. Likewise,in this specific illustrative example, in one embodiment, all of thefinancial transactions represented in the financial transaction datamapped to the needs uber financial transaction category are accumulatedand a cumulative total of the amounts of the financial transactionsmapped to the needs financial transaction category is calculated toreveal the users total spending for the defined relevant time period inthe needs uber financial transaction category.

As another specific illustrative example, in one embodiment, all of thefinancial transactions represented in the financial transaction datamapped to the first uber financial transaction category are accumulatedand a cumulative total of the amounts of the financial transactionsmapped to the first uber financial transaction category is calculated;all of the financial transactions represented in the financialtransaction data mapped to the second uber financial transactioncategory are accumulated and a cumulative total of the amounts of thefinancial transactions mapped to the second uber financial transactioncategory is calculated; and all of the financial transactionsrepresented in the financial transaction data mapped to the third uberfinancial transaction category are accumulated and a cumulative total ofthe amounts of the financial transactions mapped to the third uberfinancial transaction category is calculated.

Consequently, as a specific illustrative example, in one embodiment, allof the financial transactions represented in the financial transactiondata mapped to the wants uber financial transaction category areaccumulated and a cumulative total of the amounts of the financialtransactions mapped to the wants financial transaction category iscalculated to reveal the user's total spending for the defined relevanttime period in the wants uber financial transaction category. Likewise,in this specific illustrative example, in one embodiment, all of thefinancial transactions represented in the financial transaction datamapped to the needs uber financial transaction category are accumulatedand a cumulative total of the amounts of the financial transactionsmapped to the needs financial transaction category is calculated toreveal the users total spending for the defined relevant time period inthe needs uber financial transaction category. Similarly, all of thefinancial transactions represented in the financial transaction datamapped to the saving uber financial transaction category are accumulatedand a cumulative total of the amounts of the financial transactionsmapped to the savings financial transaction category is calculated toreveal the user's total savings for the defined relevant time period inthe savings uber financial transaction category.

In one embodiment, once all of the financial transactions represented inthe financial transaction data mapped to a given uber financialtransaction category are accumulated and total amount data representinga cumulative total of the amounts of the financial transactions mappedto the given uber financial transaction category is calculated at FOREACH UBER FINANCIAL TRANSACTION CATEGORY DETERMINE THE TOTAL AMOUNT OFTHE TRANSACTIONS MAPPED TO THAT UBER FINANCIAL TRANSACTION CATEGORY ANDGENERATE TOTAL AMOUNT DATA FOR EACH OF THE UBER FINANCIAL TRANSACTIONCATEGORIES OPERATION 625, process flow proceeds to ANALYZE THE TOTALAMOUNT DATA FOR EACH OF THE UBER FINANCIAL TRANSACTION CATEGORIES ANDTHE USER CUSTOMIZED BUDGET GUIDELINE DATA TO GENERATE A BUDGETCONFORMANCE DISPLAY OPERATION 627.

In one embodiment, at ANALYZE THE TOTAL AMOUNT DATA FOR EACH OF THE UBERFINANCIAL TRANSACTION CATEGORIES AND THE USER CUSTOMIZED BUDGETGUIDELINE DATA TO GENERATE A BUDGET CONFORMANCE DISPLAY OPERATION 627the amount totals data representing the cumulative amounts for each ofthe uber financial transaction categories of FOR EACH uber FINANCIALTRANSACTION CATEGORY DETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONSMAPPED TO THAT UBER FINANCIAL TRANSACTION CATEGORY AND GENERATE TOTALAMOUNT DATA FOR EACH OF THE UBER FINANCIAL TRANSACTION CATEGORIESOPERATION 625 is analyzed and compared with the user customized budgetguideline data of DEFINE SPENDING GUIDELINES FOR EACH OF THE UBERFINANCIAL TRANSACTION CATEGORIES AND GENERATE USER CUSTOMIZED BUDGETGUIDELINE DATA OPERATION 611.

In one embodiment, at ANALYZE THE TOTAL AMOUNT DATA FOR EACH OF THE UBERFINANCIAL TRANSACTION CATEGORIES AND THE USER CUSTOMIZED BUDGETGUIDELINE DATA TO GENERATE A BUDGET CONFORMANCE DISPLAY OPERATION 627the data representing the amounts for each of the uber financialtransaction categories and the user customized budget guideline data isthen transformed into budget conformance display data indicating how theuser's actual spending and/or savings compares to the budget guidelinesestablished for each of the uber financial transaction categories.

In one embodiment, once budget conformance display data is created atANALYZE THE TOTAL AMOUNT DATA FOR EACH OF THE UBER FINANCIAL TRANSACTIONCATEGORIES AND THE USER CUSTOMIZED BUDGET GUIDELINE DATA TO GENERATE ABUDGET CONFORMANCE DISPLAY OPERATION 627, process flow proceeds toPROVIDE THE USER ACCESS TO THE BUDGET CONFORMANCE DISPLAY OPERATION 629.

In one embodiment, at PROVIDE THE USER ACCESS TO THE BUDGET CONFORMANCEDISPLAY OPERATION 629 the user is provided access to the budgetconformance display data of ANALYZE THE TOTAL AMOUNT DATA FOR EACH OFTHE UBER FINANCIAL TRANSACTION CATEGORIES AND THE USER CUSTOMIZED BUDGETGUIDELINE DATA TO GENERATE A BUDGET CONFORMANCE DISPLAY OPERATION 627.

In one embodiment, at PROVIDE THE USER ACCESS TO THE BUDGET CONFORMANCEDISPLAY OPERATION 629 the user is provided access to the budgetconformance display data on a display screen of a user computing systemowned, accessible by, or otherwise associated with, the user.

In various embodiments, the user computing system of PROVIDE THE USERACCESS TO THE BUDGET CONFORMANCE DISPLAY OPERATION 629 is any computingsystem as discussed herein, and/or as known in the art at the time offiling, and/or as developed after the time of filing.

In one embodiment, once the user is provided access to the budgetconformance display data at PROVIDE THE USER ACCESS TO THE BUDGETCONFORMANCE DISPLAY OPERATION 629, process flow proceeds to EXITOPERATION 630.

In one embodiment, at EXIT OPERATION 630 process 600 for providing aspending analysis display is exited to await new data.

Consequently, in one embodiment, using process 600 for providing aspending analysis display, wants uber financial transaction categoryspending, needs uber financial transaction category spending, and savinguber financial transaction category transactions can be determined anddisplayed in an engaging and “game-like” manner via a simple userinteraction motion, such as, but not limited to, a single sweepingaction of the user's finger towards the wants spending display region ofthe disclosed interactive spending analysis display, the needs spendingdisplay region of the disclosed interactive spending analysis display,or the savings display region of the disclosed interactive spendinganalysis display.

FIG. 7 is a flow chart representing one example of a process 700 forproviding a spending analysis display in accordance with one embodiment.

As seen in FIG. 7, process 700 for providing a spending analysis displaybegins at ENTER OPERATION 701 and process flow proceeds to DEFINE TWO ORMORE FINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 703.

In one embodiment, at DEFINE TWO OR MORE FINANCIAL TRANSACTIONCATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 703two or more financial transaction categories to be applied to, orotherwise associated with, one or more financial transactions includedin financial transaction data are defined.

In various embodiments, the financial transaction categories representmanually or automatically applied financial transaction categories usedto categorize and process various financial transactions associated withthe user. In various embodiments, the financial transaction categoriesare defined by the provider of process 700 for providing a spendinganalysis display. In other embodiments, the financial transactioncategories are defined by one or more financial management systems suchas, but not limited to, any of the financial management systems asdiscussed herein, and/or as known in the art at the time of filing,and/or as developed after the time of filing.

In some embodiments, the financial transaction categories are defined byoutside agencies such as, but not limited to, the IRS or other state andlocal tax agencies.

In various embodiments, the financial transaction categories definedinclude, but are not limited to, one or more the following:entertainment categories, such as arts, amusement, music, movies andDVDs, newspaper and magazines, etc.; shopping categories, such asclothing, books, electronics and software, hobbies, sporting goods,etc.; personal care categories, such as hair, spa and massage, etc.;health and fitness categories, such as gym, sports, etc.; kidscategories, such as toys, kid activities, allowance, etc.; food anddining categories, such as coffee, fast food, restaurants, alcohol,etc.; gift and donation categories, such as, gifts, charity, etc.; petand pet care categories, such as, pet grooming, etc.; financialcategories, such as, life insurance, financial advisor fees, accountantfees, etc.; home categories, such as, furnishings, lawn and garden, homeimprovement, television, cable, home phone, Internet, mobile phone,etc.; travel categories, such as, air travel, hotel expenses, rental carand taxi expenses, vacation, etc.; uncategorized/undeterminedtransactions such as, cash ATM transactions, check transactions,transfer transactions, credit card payments, etc.; investmentcategories, such as, deposits, withdrawals, dividends and capital, buy,sell, etc.; and/or any other financial transaction categories definedand/or discussed herein, and/or as known in the art at the time offiling, and/or as developed after the time of filing.

In one embodiment, once the two or more financial transaction categoriesare defined, financial transaction category data is generatedrepresenting the defined two or more financial transaction categories.

In one embodiment, once two or more financial transaction categories tobe applied to, or otherwise associated with, one or more financialtransactions included in financial transaction data are defined andfinancial transaction category data is generated at DEFINE TWO OR MOREFINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 703, process flow proceeds to DEFINE AT LEAST TWOUBER FINANCIAL TRANSACTION CATEGORIES INCLUDING A WANTS/DISCRETIONARYUBER FINANCIAL TRANSACTION CATEGORY AND A NEEDS/NON-DISCRETIONARY UBERFINANCIAL TRANSACTION CATEGORY OPERATION 705.

In one embodiment, at DEFINE AT LEAST TWO UBER FINANCIAL TRANSACTIONCATEGORIES INCLUDING A WANTS/DISCRETIONARY UBER FINANCIAL TRANSACTIONCATEGORY AND A NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTIONCATEGORY OPERATION 705 at least two Uber financial transactioncategories, the Uber financial transaction category of “wants,” or“discretionary,” spending and the Uber financial transaction category of“needs,” or “non-discretionary” spending are defined.

In various embodiments, the Uber financial transaction category of“wants,” or “discretionary,” spending and the Uber financial transactioncategory of “needs,” or “non-discretionary” spending defined at DEFINEAT LEAST TWO UBER FINANCIAL TRANSACTION CATEGORIES INCLUDING AWANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY AND ANEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION705 are broad financial transaction categories that include, orencompass, one or more of the financial transaction categories of DEFINETWO OR MORE FINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITHFINANCIAL TRANSACTIONS OPERATION 703.

In this specific illustrative example, the Uber financial transactioncategory of “wants,” or “discretionary,” spending and the Uber financialtransaction category of “needs,” or “non-discretionary” spending definedat DEFINE AT LEAST TWO UBER FINANCIAL TRANSACTION CATEGORIES INCLUDING AWANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY AND ANEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION705 are used to distinguish between financial transactions, andassociated financial transaction categories, of DEFINE TWO OR MOREFINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 703 over which the user has control, i.e., thatare associated with spending that is not required but rather representsdesired spending on a “wanted” item or service, as opposed to financialtransactions, and associated financial transaction categories, overwhich the user has no control, i.e., that are associated with spendingthat is required and is not optional, such as utilities, rent, mortgage,etc.

As noted above, one long standing problem associated with traditionalfinancial management systems displays is the inability to present userstheir financial information in an efficient, relevant, intuitive,interactive, and dynamic way that is of practical use. However, bydividing the user's spending transactions between relatively few, in oneembodiment only two, Uber financial transaction categories at DEFINE ATLEAST TWO UBER FINANCIAL TRANSACTION CATEGORIES INCLUDING AWANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY AND ANEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION705, the user is provided a straightforward display illustrating, inthis specific illustrative example, how much the user is spending onitems and services that are needed, and therefore not discretionary,versus how much the user is spending on items and services that are notneeded, but which are desired.

As discussed above, in other embodiments, the Uber financial transactioncategories are defined in pairs that are representative of a broadcategorization of various subsets of financial transaction categories.

For instance, in one specific example, pairs of Uber financialtransaction categories include, but are not limited to, a “good” and“bad” spending Uber financial transaction category pair through whichthe users financial transactions are divided between financialtransactions representing good spending habits and financialtransactions representing bad spending habits.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “worth it” and “not worth it” Uberfinancial transaction category pair. This Uber financial transactioncategory pair is used to divide financial transactions into those thatare deemed worth the expenditure and those that are deemed not worth theexpenditure. This Uber financial transaction category pairing allows auser to examine, and presumably learn from, previous spending habits.

Another example of pairs of Uber financial transaction categoriesinclude, but are not limited to, a “would repeat” and “would not repeat”Uber financial transaction category pair. This Uber financialtransaction category pair is similar to the “worth it” and “not worthit” financial transaction category pair discussed above.

Other examples of pairs of Uber financial transaction categories includeany Uber financial transaction categories as discussed herein, and/or asknown in the art at the time of filing, and/or as developed after thetime of filing.

In one embodiment, once at least two Uber financial transactioncategories are defined, Uber financial transaction category datarepresenting the defined Uber financial transaction categories isgenerated.

In one embodiment, once at least two Uber financial transactioncategories, the Uber financial transaction category of “wants,” or“discretionary,” spending and the Uber financial transaction category of“needs,” or “non-discretionary” spending are defined, and Uber financialtransaction category data is generated, at DEFINE AT LEAST TWO UBERFINANCIAL TRANSACTION CATEGORIES INCLUDING A WANTS/DISCRETIONARY UBERFINANCIAL TRANSACTION CATEGORY AND A NEEDS/NON-DISCRETIONARY UBERFINANCIAL TRANSACTION CATEGORY OPERATION 705, process flow proceeds toINITIALLY MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TOEITHER THE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOR THE WANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707.

In one embodiment, at INITIALLY MAP AT LEAST ONE OF THE FINANCIALTRANSACTION CATEGORIES TO EITHER THE NEEDS/NON-DISCRETIONARY UBERFINANCIAL TRANSACTION CATEGORY OR THE WANTS/DISCRETIONARY FINANCIALTRANSACTION CATEGORY OPERATION 707 a subset of the defined financialtransaction categories of DEFINE TWO OR MORE FINANCIAL TRANSACTIONCATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 703 ismapped to either the wants Uber financial transaction category or theneeds Uber financial transaction category of DEFINE AT LEAST TWO UBERFINANCIAL TRANSACTION CATEGORIES INCLUDING A WANTS/DISCRETIONARY UBERFINANCIAL TRANSACTION CATEGORY AND A NEEDS/NON-DISCRETIONARY UBERFINANCIAL TRANSACTION CATEGORY OPERATION 705.

The mapping of the one or more of defined financial categories to theUber financial transaction categories at INITIALLY MAP AT LEAST ONE OFTHE FINANCIAL TRANSACTION CATEGORIES TO EITHER THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OR THEWANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707represents the fact that some defined financial categories of DEFINE TWOOR MORE FINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 703, such as, for instance, the financialcategories of rent, utilities, car repair, insurance payments, etc. arealmost always needs-based financial transactions, and therefore shouldalways be mapped to the needs Uber financial transaction category. Incontrast, some defined financial categories of DEFINE TWO OR MOREFINANCIAL TRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIALTRANSACTIONS OPERATION 703, such as entertainment, pet grooming,vacation, etc., are almost always wants-based financial transactions,and therefore should always be mapped to the wants Uber financialtransaction category.

However, some financial transaction categories, and associated financialtransactions, of DEFINE TWO OR MORE FINANCIAL TRANSACTION CATEGORIES TOBE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 703 are eitheruncategorized or are categorized in financial transaction categorieswhich are not clearly mapped to either the wants or needs Uber financialtransaction categories. For instance, the financial transactioncategories shopping, clothing, personal care, hair, kids, kidactivities, allowance, food and dining, pets, home, home furnishings,ATM transactions, check transactions, withdraw transaction, etc., aremapped to either the wants Uber financial transaction category or theneeds Uber financial transaction category depending on the specificfinancial transaction. As an illustrative example, a given financialtransaction categorized as clothing could either be a purchase ofbusiness attire necessary to keep one's job, in which case it wouldclearly be mapped to the needs Uber financial transaction category, orit could represent a purchase of a new party dress or hobby relatedclothing which would most likely be mapped to the wants Uber financialtransaction category.

Consequently, in one embodiment, those financial transaction categories,and associated financial transactions, of DEFINE TWO OR MORE FINANCIALTRANSACTION CATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONSOPERATION 703 that are clearly, or most likely, related to purchasesassociated with the wants Uber financial transaction category areautomatically mapped to the wants Uber financial transaction category atINITIALLY MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TOEITHER THE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOR THE WANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707and those financial transaction categories, and associated financialtransactions, that are clearly, or most likely, related to purchasesassociated with the needs Uber financial transaction category areautomatically mapped to the needs Uber financial transaction category atINITIALLY MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TOEITHER THE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOR THE WANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707.

In addition, at INITIALLY MAP AT LEAST ONE OF THE FINANCIAL TRANSACTIONCATEGORIES TO EITHER THE NEEDS/NON-DISCRETIONARY UBER FINANCIALTRANSACTION CATEGORY OR THE WANTS/DISCRETIONARY FINANCIAL TRANSACTIONCATEGORY OPERATION 707 those financial transactions that are either notcategorized, or are categorized using financial transaction categoriesthat are not clearly associated with either the wants or needs Uberfinancial transaction categories, are designateduncategorized/undetermined financial transactions and are therefore notmapped to either the wants or needs Uber financial transactioncategories, but are instead accumulated in a set ofuncategorized/undetermined financial transaction data representing theuncategorized/undetermined financial transactions.

In some embodiments, the initial mapping of the financial transactioncategories to the Uber financial transaction categories is performed atINITIALLY MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TOEITHER THE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOR THE WANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707by the provider of process 700 for providing a spending analysisdisplay. In some embodiments, the initial mapping of the financialtransaction categories to the Uber financial transaction categoriesperformed by the provider of process 700 for providing a spendinganalysis display can then be modified by the user, or as a result offeedback received during the operation of the process 700 for providinga spending analysis display.

In other embodiments, the mapping of the financial transactioncategories to the Uber financial transaction categories is performed atINITIALLY MAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TOEITHER THE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOR THE WANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707by the user and this initial mapping can be modified by the user forvarious reasons. For instance, while financial transactions related topurchasing coffee might be initially mapped by either the user or theprocess 700 for providing a spending analysis display to the wants Uberfinancial transaction category, in one embodiment, the user may changethis mapping to either the needs Uber financial transaction category orto the uncategorized/undetermined financial transaction category. Onereason a user might wish to change the mapping of a financialtransaction category to the uncategorized/undetermined financialtransaction category would be to force the user to visualize andinteract with a specific category of financial transactions, asdiscussed below.

In one embodiment, once a subset of the defined financial transactioncategories is mapped to either the wants Uber financial transactioncategory or the needs Uber financial transaction category at INITIALLYMAP AT LEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TO EITHER THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OR THEWANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707,process flow proceeds to OBTAIN FINANCIAL TRANSACTION DATA REPRESENTINGONE OR MORE FINANCIAL TRANSACTIONS CONDUCTED BY A USER OPERATION 709.

In one embodiment, at OBTAIN FINANCIAL TRANSACTION DATA REPRESENTING ONEOR MORE FINANCIAL TRANSACTIONS CONDUCTED BY A USER OPERATION 709financial transaction data representing financial transactions conductedby a user is obtained.

In one embodiment, the financial transaction data is obtained at OBTAINFINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS CONDUCTED BY A USER OPERATION 709 from one or morefinancial management systems, such as any of the financial managementsystems discussed herein, and/or as known in the art at the time offiling, and/or as developed after the time of filing, and/or by anymeans as discussed herein, and/or as known in the art at the time offiling, and/or as becomes known after the time of filing.

In one embodiment, the financial transaction data of at OBTAIN FINANCIALTRANSACTION DATA REPRESENTING ONE OR MORE FINANCIAL TRANSACTIONSCONDUCTED BY A USER OPERATION 709 is financial transaction data from adefined relevant period of time such as, a day, a week, a month,quarter, a year, etc. In various embodiments the relevant period of timeis defined by the user, and/or provider, of process 700 for providing aspending analysis display.

In one embodiment, once financial transaction data representingfinancial transactions conducted by a user is obtained at OBTAINFINANCIAL TRANSACTION DATA REPRESENTING ONE OR MORE FINANCIALTRANSACTIONS CONDUCTED BY A USER OPERATION 709, process flow proceeds toCATEGORIZE THE ONE OR MORE FINANCIAL TRANSACTIONS USING THE FINANCIALTRANSACTION CATEGORIES OPERATION 711.

In one embodiment, at CATEGORIZE THE ONE OR MORE FINANCIAL TRANSACTIONSUSING THE FINANCIAL TRANSACTION CATEGORIES OPERATION 711 the financialtransaction category data of DEFINE TWO OR MORE FINANCIAL TRANSACTIONCATEGORIES TO BE ASSOCIATED WITH FINANCIAL TRANSACTIONS OPERATION 703 isused to categorize as many of the financial transactions represented inthe financial transaction data of OBTAIN FINANCIAL TRANSACTION DATAREPRESENTING ONE OR MORE FINANCIAL TRANSACTIONS CONDUCTED BY A USEROPERATION 709 as is possible.

In one embodiment, once the financial transaction category data is usedto categorize as many of the financial transactions represented in thefinancial transaction data as is possible at CATEGORIZE THE ONE OR MOREFINANCIAL TRANSACTIONS USING THE FINANCIAL TRANSACTION CATEGORIESOPERATION 711, as many of the categorized financial transactions, and asmuch categorized financial transaction data, as possible is mapped tothe appropriate Uber financial transaction category of DEFINE AT LEASTTWO UBER FINANCIAL TRANSACTION CATEGORIES INCLUDING AWANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY AND ANEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION705 using the financial transaction category to Uber financialtransaction category mapping of INITIALLY MAP AT LEAST ONE OF THEFINANCIAL TRANSACTION CATEGORIES TO EITHER THE NEEDS/NON-DISCRETIONARYUBER FINANCIAL TRANSACTION CATEGORY OR THE WANTS/DISCRETIONARY FINANCIALTRANSACTION CATEGORY OPERATION 707.

In one embodiment, as a result of the categorization and mapping of thefinancial transactions represented in the financial transaction data,each of the financial transactions represented in the financialtransaction data is assigned to one of three categories; the wants Uberfinancial transaction category, the needs Uber financial transactioncategory, or the uncategorized/undetermined financial transactioncategory and process flow proceeds to ACCUMULATE ALL FINANCIALTRANSACTIONS MAPPED TO THE WANTS/DISCRETIONARY UBER FINANCIALTRANSACTION CATEGORY AND DETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONSMAPPED TO THE WANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOPERATION 713.

In one embodiment, at ACCUMULATE ALL FINANCIAL TRANSACTIONS MAPPED TOTHE WANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY ANDDETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONS MAPPED TO THEWANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION 713all of the financial transactions represented in the financialtransaction data of OBTAIN FINANCIAL TRANSACTION DATA REPRESENTING ONEOR MORE FINANCIAL TRANSACTIONS CONDUCTED BY A USER OPERATION 709 mappedto the wants Uber financial transaction category at INITIALLY MAP ATLEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TO EITHER THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OR THEWANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707 areaccumulated and a cumulative total of the amounts of the financialtransactions mapped to the wants Uber financial transaction category iscalculated.

Consequently, as a specific illustrative example, in one embodiment, atACCUMULATE ALL FINANCIAL TRANSACTIONS MAPPED TO THE WANTS/DISCRETIONARYUBER FINANCIAL TRANSACTION CATEGORY AND DETERMINE THE TOTAL AMOUNT OFTHE TRANSACTIONS MAPPED TO THE WANTS/DISCRETIONARY UBER FINANCIALTRANSACTION CATEGORY OPERATION 713 all of the financial transactionsrepresented in the financial transaction data mapped to the wants Uberfinancial transaction category are accumulated and a cumulative total ofthe amounts of the financial transactions mapped to the wants financialtransaction category is calculated to reveal the user's total spendingfor the defined relevant time period in the wants Uber financialtransaction category.

In one embodiment, once all of the financial transactions represented inthe financial transaction data mapped to the wants Uber financialtransaction category are accumulated and a cumulative total of theamounts of the financial transactions mapped to the wants Uber financialtransaction category is calculated at ACCUMULATE ALL FINANCIALTRANSACTIONS MAPPED TO THE WANTS/DISCRETIONARY UBER FINANCIALTRANSACTION CATEGORY AND DETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONSMAPPED TO THE WANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOPERATION 713, process flow proceeds to ACCUMULATE ALL FINANCIALTRANSACTIONS MAPPED TO THE NEEDS/NON-DISCRETIONARY UBER FINANCIALTRANSACTION CATEGORY AND DETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONSMAPPED TO THE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTIONCATEGORY OPERATION 715.

In one embodiment, at ACCUMULATE ALL FINANCIAL TRANSACTIONS MAPPED TOTHE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY ANDDETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONS MAPPED TO THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION715 all of the financial transactions represented in the financialtransaction data of OBTAIN FINANCIAL TRANSACTION DATA REPRESENTING ONEOR MORE FINANCIAL TRANSACTIONS CONDUCTED BY A USER OPERATION 709 mappedto the needs Uber financial transaction category at INITIALLY MAP ATLEAST ONE OF THE FINANCIAL TRANSACTION CATEGORIES TO EITHER THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OR THEWANTS/DISCRETIONARY FINANCIAL TRANSACTION CATEGORY OPERATION 707 areaccumulated and a cumulative total of the amounts of the financialtransactions mapped to the needs Uber financial transaction category iscalculated.

Consequently, in this specific illustrative example, in one embodiment,at ACCUMULATE ALL FINANCIAL TRANSACTIONS MAPPED TO THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY ANDDETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONS MAPPED TO THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION715 all of the financial transactions represented in the financialtransaction data mapped to the needs Uber financial transaction categoryare accumulated and a cumulative total of the amounts of the financialtransactions mapped to the needs financial transaction category iscalculated to reveal the users total spending for the defined relevanttime period in the needs Uber financial transaction category.

In one embodiment, once all of the financial transactions represented inthe financial transaction data mapped to the needs Uber financialtransaction category are accumulated and a cumulative total of theamounts of the financial transactions mapped to the needs Uber financialtransaction category is calculated ACCUMULATE ALL FINANCIAL TRANSACTIONSMAPPED TO THE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTIONCATEGORY AND DETERMINE THE TOTAL AMOUNT OF THE TRANSACTIONS MAPPED TOTHE NEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORYOPERATION 715, process flow proceeds to ACCUMULATE ALLUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS NOT MAPPED TO EITHERTHE WANTS/DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OR THENEEDS/NON-DISCRETIONARY UBER FINANCIAL TRANSACTION CATEGORY OPERATION717.

In one embodiment, at ACCUMULATE ALL UNCATEGORIZED/UNDETERMINEDFINANCIAL TRANSACTIONS NOT MAPPED TO EITHER THE WANTS/DISCRETIONARY UBERFINANCIAL TRANSACTION CATEGORY OR THE NEEDS/NON-DISCRETIONARY FINANCIALTRANSACTION CATEGORY OPERATION 717 all of the financial transaction datarepresenting uncategorized/undetermined financial transactions isaccumulated.

In one embodiment, a history of the user's spending is obtained andstored. In this embodiment, a user's financial transactions during thecurrent defined relevant time period is compared with the user's similarhistorical financial transactions in previous time periods. In oneembodiment, if the user's financial transactions during the currentdefined relevant time period are for amounts that are significantlydifferent from the user's similar historical financial transactions,then at ACCUMULATE ALL UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONSNOT MAPPED TO EITHER THE WANTS/DISCRETIONARY UBER FINANCIAL TRANSACTIONCATEGORY OR THE NEEDS/NON-DISCRETIONARY FINANCIAL TRANSACTION CATEGORYOPERATION 717 the current financial transactions are categorized asundetermined/uncategorized even if the financial transactions wouldnormally be mapped to either the wants or needs Uber financialtransaction categories.

In this way, in one embodiment, even though a specific financialtransaction category is typically mapped to a specific Uber financialtransaction category, if the amount of the specific financialtransaction changes, e.g., increases, the normal mapping of thefinancial transaction is no longer considered valid and the user isasked to examine the financial transaction and categorize it manually.So, as a specific illustrative example, if a user has a monthlyfinancial transaction categorized as utilities for an amount thataverages between $100 and $700 and then, in the current relevant timeperiod, the monthly financial transaction categorized as utilities jumpsto $500, then at ACCUMULATE ALL UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS NOT MAPPED TO EITHER THE WANTS/DISCRETIONARY UBER FINANCIALTRANSACTION CATEGORY OR THE NEEDS/NON-DISCRETIONARY FINANCIALTRANSACTION CATEGORY OPERATION 717 that financial transaction will besent to the uncategorized/undetermined financial transaction category,as opposed to the normal needs Uber financial transaction category.Consequently, if the user has increased the user's utility bill byadding holiday lights to the house, the user is not only made aware ofthis fact, but the user is forced to categorize the new amount, at leastin part, as a wants-based transaction as opposed to the normalneeds-based transaction.

In one embodiment, once all of the financial transaction datarepresenting uncategorized/undetermined financial transactions isaccumulated at ACCUMULATE ALL UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS NOT MAPPED TO EITHER THE WANTS/DISCRETIONARY UBER FINANCIALTRANSACTION CATEGORY OR THE NEEDS/NON-DISCRETIONARY FINANCIALTRANSACTION CATEGORY OPERATION 717, process flow proceeds to GENERATE AWANTS/NEEDS SPENDING ANALYSIS DISPLAY FOR THE USER INCLUDING A WANTSDISPLAY REGION, A NEEDS DISPLAY REGION, AND ANUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS DISPLAY REGIONOPERATION 719.

In one embodiment, at GENERATE A WANTS/NEEDS SPENDING ANALYSIS DISPLAYFOR THE USER INCLUDING A WANTS DISPLAY REGION, A NEEDS DISPLAY REGION,AND AN UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS DISPLAY REGIONOPERATION 719 data representing the cumulative total of the amounts ofthe financial transactions mapped to the wants and needs Uber financialtransaction categories, and the financial transaction data representingthe financial transactions that are uncategorized/undetermined, thisdata is used to generate an intuitive and interactive spending analysisdisplay, such as an intuitive and interactive wants/needs spendinganalysis display.

In one embodiment, the intuitive and interactive spending analysisdisplay of GENERATE A WANTS/NEEDS SPENDING ANALYSIS DISPLAY FOR THE USERINCLUDING A WANTS DISPLAY REGION, A NEEDS DISPLAY REGION, AND ANUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS DISPLAY REGIONOPERATION 719 includes at least three display regions; a first spendinganalysis display region for displaying the cumulative of total of theamounts of the financial transactions mapped to the wants Uber financialtransaction category, a second spending analysis display region fordisplaying the cumulative total of the amounts of the financialtransactions mapped to the needs Uber financial transaction category,and a third spending analysis display region for displaying theindividual uncategorized/undetermined financial transactions not mappedto either the wants or needs Uber financial transaction categories.

In various embodiments, the first and second regions of the intuitiveand interactive spending analysis display of GENERATE A WANTS/NEEDSSPENDING ANALYSIS DISPLAY FOR THE USER INCLUDING A WANTS DISPLAY REGION,A NEEDS DISPLAY REGION, AND AN UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS DISPLAY REGION OPERATION 719 are visually distinguishablefrom each other and represented as physically removed from one another.

For instance, as a specific illustrative example, in one embodiment, thefirst display region of the intuitive and interactive spending analysisdisplay is of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the wants Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display is of a second color, and/orincludes the cumulative total of the amounts of the financialtransactions mapped to the needs Uber financial transaction category,and is displayed in a second display region on a second side of thespending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first icongraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the wants Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second icon graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the needs Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a firstanimated graphic of a first color, and/or includes the cumulative totalof the amounts of the financial transactions mapped to the wants Uberfinancial transaction category, and is displayed in a first displayregion on a first side of the spending analysis display, while thesecond display region of the spending analysis display includes a secondanimated graphic of a second color, and/or includes the cumulative totalof the amounts of the financial transactions mapped to the needs Uberfinancial transaction category, and is displayed in a second displayregion on a second side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first shapedgraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the wants Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second shaped graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the needs Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first symbolgraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the wants Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second symbol graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the needs Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a firstalpha-numeric graphic of a first color, and/or includes the cumulativetotal of the amounts of the financial transactions mapped to the wantsUber financial transaction category, and is displayed in a first displayregion on a first side of the spending analysis display, while thesecond display region of the spending analysis display includes a secondalpha-numeric graphic of a second color, and/or includes the cumulativetotal of the amounts of the financial transactions mapped to the needsUber financial transaction category, and is displayed in a seconddisplay region on a second side of the spending analysis display.

As another specific illustrative example, in one embodiment, the firstdisplay region of the spending analysis display includes a first avatargraphic of a first color, and/or includes the cumulative total of theamounts of the financial transactions mapped to the wants Uber financialtransaction category, and is displayed in a first display region on afirst side of the spending analysis display, while the second displayregion of the spending analysis display includes a second avatar graphicof a second color, and/or includes the cumulative total of the amountsof the financial transactions mapped to the needs Uber financialtransaction category, and is displayed in a second display region on asecond side of the spending analysis display.

In various other emblements, the first display region of the intuitiveand interactive spending analysis display includes any graphic of anycolor, and/or includes the cumulative total of the amounts of thefinancial transactions mapped to the wants Uber financial transactioncategory, and is displayed in a first display region in any region ofthe intuitive and interactive spending analysis display, while thesecond display region of the intuitive and interactive spending analysisdisplay includes any graphic of any color, and/or includes thecumulative total of the amounts of the financial transactions mapped tothe needs Uber financial transaction category, and is displayed in asecond display region in any different region of the intuitive andinteractive spending analysis display.

In one embodiment, the third spending analysis display region of theintuitive and interactive spending analysis display includes anuncategorized/undetermined financial transaction listing displaying theindividual uncategorized/undetermined financial transactions not mappedto either the wants or needs Uber financial transaction categories. Inone embodiment, the third spending analysis display region is positionedapproximately halfway between the first and second spending analysisdisplay regions.

In one embodiment, in addition to the graphics and data displayed in thefirst, second and third spending analysis display regions of theintuitive and interactive spending analysis display, other financialdata associated with the user is displayed in the intuitive andinteractive spending analysis display of GENERATE A WANTS/NEEDS SPENDINGANALYSIS DISPLAY FOR THE USER INCLUDING A WANTS DISPLAY REGION, A NEEDSDISPLAY REGION, AND AN UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONSDISPLAY REGION OPERATION 719 such as, but not limited to, data and/orgraphic elements indicating wants and needs Uber financial transactioncategory cumulative amount goals for the relevant time period, in oneembodiment as defined by the user; graphic and/or data displaysindicating amounts remaining the be spent in the wants or needs Uberfinancial transaction categories based on wants and needs Uber financialtransaction category cumulative amount goals for the relevant timeperiod, in one embodiment as defined by the user; data and/or graphicelements indicating average spending in the wants and needs Uberfinancial transaction categories by persons similarly situated as theuser for the relevant time period, and/or comparative data; data and/orgraphic elements indicating accepted spending goals/percentages in thewants and needs Uber financial transaction categories for the relevanttime period, and/or comparative data; and/or any other graphics and/ordata showing, and/or comparing, the user's spending in the wants andneeds Uber financial transaction categories relative to one or moreother standards.

In one embodiment, once data representing the cumulative total of theamounts of the financial transactions mapped to the wants and needs Uberfinancial transaction categories, and the financial transaction datarepresenting the financial transactions that areuncategorized/undetermined is obtained and used to generate an intuitiveand interactive spending analysis display, such as an intuitive andinteractive wants/needs spending analysis display, at GENERATE AWANTS/NEEDS SPENDING ANALYSIS DISPLAY FOR THE USER INCLUDING A WANTSDISPLAY REGION, A NEEDS DISPLAY REGION, AND ANUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS DISPLAY REGIONOPERATION 719, process flow proceeds to PROVIDE THE WANTS/NEEDS SPENDINGANALYSIS DISPLAY TO THE USER OPERATION 721.

In one embodiment, at PROVIDE THE WANTS/NEEDS SPENDING ANALYSIS DISPLAYTO THE USER OPERATION 721 the intuitive and interactive spendinganalysis display of GENERATE A WANTS/NEEDS SPENDING ANALYSIS DISPLAY FORTHE USER INCLUDING A WANTS DISPLAY REGION, A NEEDS DISPLAY REGION, ANDAN UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS DISPLAY REGIONOPERATION 719 is provided to the user on a display screen of a usercomputing system owed, accessible by, or otherwise associated with, theuser.

In various embodiments, the user computing system of PROVIDE THEWANTS/NEEDS SPENDING ANALYSIS DISPLAY TO THE USER OPERATION 721 is anycomputing system as discussed herein, and/or as known in the art at thetime of filing, and/or as developed after the time of filing.

In various embodiments, the display screen of the user computing systemof PROVIDE THE WANTS/NEEDS SPENDING ANALYSIS DISPLAY TO THE USEROPERATION 721 is a touch screen, or other interactive display screencapable of receiving user input via touch, stylus, or other user inputdevice or mechanism, as discussed herein, and/or as known in the art atthe time of filing, and/or as developed after the time of filing.

In one embodiment, once the intuitive and interactive spending analysisdisplay is provided to the user on a display screen of a user computingsystem owed, accessible by, or otherwise associated with, the user atPROVIDE THE WANTS/NEEDS SPENDING ANALYSIS DISPLAY TO THE USER OPERATION721, process flow proceeds to PROVIDE THE USER THE CAPABILITY TOCATEGORIZE THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS THROUGHTHE WANTS/NEEDS SPENDING ANALYSIS DISPLAY OPERATION 723.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS THROUGH THEWANTS/NEEDS SPENDING ANALYSIS DISPLAY OPERATION 723 the user is providedthe opportunity to dynamically and intuitively categorize each of theuncategorized/undetermined financial transactions in either the wantsUber financial transaction category or the needs Uber financialtransaction category.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS THROUGH THEWANTS/NEEDS SPENDING ANALYSIS DISPLAY OPERATION 723 the user is providedthe opportunity to dynamically and intuitively categorize each of theuncategorized/undetermined financial transactions by selecting each ofthe uncategorized/undetermined financial transactions displayed in thethird display region of the spending analysis display and making asweeping motion to either the first or second region of the spendinganalysis display.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS THROUGH THEWANTS/NEEDS SPENDING ANALYSIS DISPLAY OPERATION 723 a selecteduncategorized/undetermined financial transaction combined with a motionto the first region of the spending analysis display is automaticallycategorized as a member of the wants Uber financial transaction categoryand at AS THE USER CATEGORIZES THE UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS DYNAMICALLY TRANSFORM THE WANTS DISPLAY REGION, THE NEEDSDISPLAY REGION, AND THE UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS DISPLAY REGION TO REFLECT THE USER'S CATEGORIZATIONSOPERATION 725 the cumulative amount of the wants Uber financialtransaction category is transformed to include an amount of the selecteduncategorized/undetermined financial transaction.

Likewise, in one embodiment, at PROVIDE THE USER THE CAPABILITY TOCATEGORIZE THE UNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS THROUGHTHE WANTS/NEEDS SPENDING ANALYSIS DISPLAY OPERATION 723 a selecteduncategorized/undetermined financial transaction combined with a motionto the second region of the spending analysis display is automaticallycategorized as a member of needs Uber financial transaction category andat AS THE USER CATEGORIZES THE UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS DYNAMICALLY TRANSFORM THE WANTS DISPLAY REGION, THE NEEDSDISPLAY REGION, AND THE UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS DISPLAY REGION TO REFLECT THE USER'S CATEGORIZATIONSOPERATION 725 the cumulative amount of the needs Uber financialtransaction category is transformed to include an amount of the selecteduncategorized/undetermined financial transaction.

In one embodiment, at PROVIDE THE USER THE CAPABILITY TO CATEGORIZE THEUNCATEGORIZED/UNDETERMINED FINANCIAL TRANSACTIONS THROUGH THEWANTS/NEEDS SPENDING ANALYSIS DISPLAY OPERATION 723 the user is providedthe capability to categorize each of uncategorized/undeterminedfinancial transactions by selecting each of theuncategorized/undetermined financial transactions displayed in the thirddisplay region of the spending analysis display and making a sweepingmotion to either the first or second region of the spending analysisdisplay via a single sweeping motion by the user on the display deviceof the user computing system.

In one embodiment, following completion of PROVIDE THE USER THECAPABILITY TO CATEGORIZE THE UNCATEGORIZED/UNDETERMINED FINANCIALTRANSACTIONS THROUGH THE WANTS/NEEDS SPENDING ANALYSIS DISPLAY OPERATION723, process flow proceeds with EXIT OPERATION 730 and the processawaits further input.

Consequently, using process 700 for providing a spending analysisdisplay, wants Uber financial transaction category spending and needsUber financial transaction category spending can be determined anddisplayed in an engaging and “game-like” manner via a simple userinteraction motion, such as, but not limited to, a single sweepingaction of the user's finger towards the wants spending display region ofthe disclosed interactive spending analysis display or the needsspending display region of the disclosed interactive spending analysisdisplay.

The present invention has been described in particular detail withrespect to specific possible embodiments. Those of skill in the art willappreciate that the invention may be practiced in other embodiments. Forexample, the nomenclature used for components, capitalization ofcomponent designations and terms, the attributes, data structures, orany other programming or structural aspect is not significant,mandatory, or limiting, and the mechanisms that implement the inventionor its features can have various different names, formats, and/orprotocols. Further, the system and/or functionality of the invention maybe implemented via various combinations of software and hardware, asdescribed, or entirely in hardware elements. Also, particular divisionsof functionality between the various components described herein aremerely exemplary, and not mandatory or significant. Consequently,functions performed by a single component may, in other embodiments, beperformed by multiple components, and functions performed by multiplecomponents may, in other embodiments, be performed by a singlecomponent.

Some portions of the above description present the features of thepresent invention in terms of algorithms and symbolic representations ofoperations, or algorithm-like representations, of operations oninformation/data. These algorithmic and/or algorithm-like descriptionsand representations are the means used by those of skill in the art tomost effectively and efficiently convey the substance of their work toothers of skill in the art. These operations, while describedfunctionally or logically, are understood to be implemented by computerprograms and/or computing systems. Furthermore, it has also provenconvenient at times to refer to these arrangements of operations assteps or modules or by functional names, without loss of generality.

Unless specifically stated otherwise, as would be apparent from theabove discussion, it is appreciated that throughout the abovedescription, discussions utilizing terms such as “accessing,”“analyzing,” “obtaining,” “identifying,” “associating,” “aggregating,”“initiating,” “collecting,” “creating,” “transferring,” “storing,”“searching,” “comparing,” “providing,” “processing” etc., refer to theaction and processes of a computing system or similar electronic devicethat manipulates and operates on data represented as physical(electronic) quantities within the computing system memories, resisters,caches or other information storage, transmission or display devices.

Certain aspects of the present invention include process steps oroperations and instructions described herein in an algorithmic and/oralgorithmic-like form. It should be noted that the process steps and/oroperations and instructions of the present invention can be embodied insoftware, firmware, and/or hardware, and when embodied in software, canbe downloaded to reside on and be operated from different platforms usedby real time network operating systems.

The present invention also relates to an apparatus or system forperforming the operations described herein. This apparatus or system maybe specifically constructed for the required purposes by a computerprogram stored via a computer program product as defined herein that canbe accessed by a computing system or other device to transform thecomputing system or other device into a specifically and speciallyprogrammed computing system or other device.

Those of skill in the art will readily recognize that the algorithms andoperations presented herein are not inherently related to any particularcomputing system, computer architecture, computer or industry standard,or any other specific apparatus. It may prove convenient/efficient toconstruct or transform one or more specialized apparatuses to performthe required operations described herein. The required structure for avariety of these systems will be apparent to those of skill in the art,along with equivalent variations. In addition, the present invention isnot described with reference to any particular programming language andit is appreciated that a variety of programming languages may be used toimplement the teachings of the present invention as described herein,and any references to a specific language or languages are provided forillustrative purposes only and for enablement of the contemplated bestmode of the invention at the time of filing.

The present invention is well suited to a wide variety of computernetwork systems operating over numerous topologies. Within this field,the configuration and management of large networks comprise storagedevices and computers that are communicatively coupled to similar and/ordissimilar computers and storage devices over a private network, a LAN,a WAN, a private network, or a public network, such as the Internet.

It should also be noted that the language used in the specification hasbeen principally selected for readability, clarity, and instructionalpurposes, and may not have been selected to delineate or circumscribethe inventive subject matter. Accordingly, the disclosure of the presentinvention is intended to be illustrative, but not limiting, of the scopeof the invention, which is set forth in the claims below.

In addition, the operations shown in the FIGS. are identified using aparticular nomenclature for ease of description and understanding, butother nomenclature is often used in the art to identify equivalentoperations.

In the discussion above, certain aspects of one embodiment includeprocess steps and/or operations and/or instructions described herein forillustrative purposes in a particular order and/or grouping. However,the particular order and/or grouping shown and discussed herein isillustrative only and not limiting. Those of skill in the art willrecognize that other orders and/or grouping of the process steps and/oroperations and/or instructions are possible and, in some embodiments,one or more of the process steps and/or operations and/or instructionsdiscussed above can be combined and/or deleted. In addition, portions ofone or more of the process steps and/or operations and/or instructionscan be re-grouped as portions of one or more other of the process stepsand/or operations and/or instructions discussed herein. Consequently,the particular order and/or grouping of the process steps and/oroperations and/or instructions discussed herein does not limit the scopeof the invention as claimed below.

Therefore, numerous variations, whether explicitly provided for by thespecification or implied by the specification or not, may be implementedby one of skill in the art in view of this disclosure.

What is claimed is:
 1. A method performed by one or more processors of asystem, the method comprising: defining at least a first parenttransaction category and a second parent transaction category; defininga comparison timeframe; presenting a spending analysis display to a useron a display screen, the spending analysis display including: a firstdisplay region corresponding to the first parent transaction category; asecond display region corresponding to the second parent transactioncategory; a third display region corresponding to uncategorizedtransactions; and a swipe input region configured to receive swipinggestures input by a user; presenting an uncategorized transaction of theuser in the third display region on the display screen; receiving aswiping gesture from the user in the swipe input region on the displayscreen; and categorizing the uncategorized transaction under either thefirst parent transaction category for the comparison timeframe or thesecond parent transaction category for the comparison timeframe based ona direction of the received swiping gesture.
 2. The method of claim 1,wherein categorizing the uncategorized transaction comprises:categorizing the uncategorized transaction under the first parenttransaction category when the swiping gesture is in a first directiontowards the first display region; and categorizing the uncategorizedtransaction under the second parent transaction category when theswiping gesture is in a second direction towards the second displayregion.
 3. The method of claim 2, wherein: the swiping gesture in thefirst direction moves the uncategorized transaction from the thirddisplay region to the first display region; and the swiping gesture inthe second direction moves the uncategorized transaction from the thirddisplay region to the second display region.
 4. The method of claim 2,wherein: the swiping gesture in the first direction toward the firstdisplay region causes the total of amounts of financial transactionscategorized under the first parent transaction category to include anamount of the uncategorized financial transaction; and the swipinggesture in the second direction toward the second display region causesthe total of amounts of financial transactions categorized under thesecond parent transaction category to include the amount of theuncategorized financial transaction.
 5. The method of claim 1, whereinthe first display region includes a total of amounts of financialtransactions categorized under the first parent transaction category forthe comparison timeframe, and the second display region includes a totalof amounts of financial transactions categorized under the second parenttransaction category for the comparison timeframe.
 6. The method ofclaim 5, further comprising: determining that, if a financialtransaction with a transaction amount is categorized under a givenparent transaction category for the comparison timeframe, the financialtransaction would cause a total of amounts of financial transactionscategorized under the given parent transaction category for thecomparison timeframe to fall outside of the respective total transactionamount range considered to be acceptable; and in response to thedetermination, leaving the financial transaction uncategorized until itis categorized by the user via the swiping gesture.
 7. The method ofclaim 1, wherein each of the first parent transaction category and thesecond parent transaction category has a respective total transactionamount range considered to be acceptable, with any total transactionamounts outside of the respective total transaction amount rangeconsidered to be unacceptable.
 8. The method of claim 1, wherein theswiping gesture comprises a single sweeping motion by the user on thethird display region presented on the display screen.
 9. A systemcomprising: at least one processor; and at least one memory coupled tothe at least one processor and storing instructions that, when executedby the at least one processor in conjunction with the at least onememory, cause the system to: define at least a first parent transactioncategory and a second parent transaction category; define a comparisontimeframe; present a spending analysis display to a user on a displayscreen, the spending analysis display including: a first display regioncorresponding to the first parent transaction category; a second displayregion corresponding to the second parent transaction category; a thirddisplay region corresponding to uncategorized transactions; and a swipeinput region configured to receive swiping gestures input by a user;present an uncategorized transaction of the user in the third displayregion on the display screen; receive a swiping gesture from the user inthe swipe input region on the display screen; and categorize theuncategorized transaction under either the first parent transactioncategory for the comparison timeframe or the second parent transactioncategory for the comparison timeframe based on a direction of thereceived swiping gesture.
 10. The system of claim 9, wherein executionof the instructions to categorize the uncategorized transaction causesthe system to: categorize the uncategorized transaction under the firstparent transaction category when the swiping gesture is in a firstdirection towards the first display region; and categorize theuncategorized transaction under the second parent transaction categorywhen the swiping gesture is in a second direction towards the seconddisplay region.
 11. The system of claim 10, wherein: the swiping gesturein the first direction moves the uncategorized transaction from thethird display region to the first display region; and the swipinggesture in the second direction moves the uncategorized transaction fromthe third display region to the second display region.
 12. The system ofclaim 10, wherein: the swiping gesture in the first direction toward thefirst display region causes the total of amounts of financialtransactions categorized under the first parent transaction category toinclude an amount of the uncategorized financial transaction; and theswiping gesture in the second direction toward the second display regioncauses the total of amounts of financial transactions categorized underthe second parent transaction category to include the amount of theuncategorized financial transaction.
 13. The system of claim 9, whereinthe first display region includes a total of amounts of financialtransactions categorized under the first parent transaction category forthe comparison timeframe, and the second display region includes a totalof amounts of financial transactions categorized under the second parenttransaction category for the comparison timeframe.
 14. The system ofclaim 13, wherein execution of the instructions further causes thesystem to: determine that, if a financial transaction with a transactionamount is categorized under a given parent transaction category for thecomparison timeframe, the financial transaction would cause a total ofamounts of financial transactions categorized under the given parenttransaction category for the comparison timeframe to fall outside of therespective total transaction amount range considered to be acceptable;and in response to the determination, leave the financial transactionuncategorized until it is categorized by the user via the swipinggesture.
 15. The system of claim 9, wherein each of the first parenttransaction category and the second parent transaction category has arespective total transaction amount range considered to be acceptable,with any total transaction amounts outside of the respective totaltransaction amount range considered to be unacceptable.
 16. The systemof claim 9, wherein the swiping gesture comprises a single sweepingmotion by the user on the third display region presented on the displayscreen.
 17. A system comprising: means for defining at least a firstparent transaction category and a second parent transaction category;means for defining a comparison timeframe; means for presenting aspending analysis display to a user on a display screen, the spendinganalysis display including: a first display region corresponding to thefirst parent transaction category; a second display region correspondingto the second parent transaction category; a third display regioncorresponding to uncategorized transactions; and a swipe input regionconfigured to receive swiping gestures input by a user; means forpresenting an uncategorized transaction of the user in the third displayregion on the display screen; means for receiving a swiping gesture fromthe user in the swipe input region on the display screen; and means forcategorizing the uncategorized transaction under either the first parenttransaction category for the comparison timeframe or the second parenttransaction category for the comparison timeframe based on a directionof the received swiping gesture.
 18. The system of claim 17, wherein themeans for categorizing the uncategorized transaction is to: categorizethe uncategorized transaction under the first parent transactioncategory when the swiping gesture is in a first direction towards thefirst display region; and categorize the uncategorized transaction underthe second parent transaction category when the swiping gesture is in asecond direction towards the second display region.
 19. The system ofclaim 18, wherein: the swiping gesture in the first direction moves theuncategorized transaction from the third display region to the firstdisplay region; and the swiping gesture in the second direction movesthe uncategorized transaction from the third display region to thesecond display region.
 20. The system of claim 18, wherein: the swipinggesture in the first direction toward the first display region causesthe total of amounts of financial transactions categorized under thefirst parent transaction category to include an amount of theuncategorized financial transaction; and the swiping gesture in thesecond direction toward the second display region causes the total ofamounts of financial transactions categorized under the second parenttransaction category to include the amount of the uncategorizedfinancial transaction.